Best Cash Reward Credit Cards
Post Subject: Best Cash Reward Credit Cards
Guest: PhilBy
Posted: Tue Apr 26, 2005 9:47 pm
Hello I am 28 and new to the Forum. My Question is what is the best all around cash rewards credit card that I will have the best chance of being approved? I plan to use my card for gas mostly, but also at stores and online too. I applied for the Chase Perfect Master Card probably about a year ago and was denied due to lack of balance on revolving accounts. I have since been using my credit cards more regularly now, but always pay them off every month. I have been using them in place of my debit card, but don't allow them to aquire intrest. Here is a break down of my current credit situation. About 4 months ago my Trans Union credit score was 718 (I am not sure about my score on the other 2, but the informtion on it shouldn't vary much). I have been in Trans Unions system since December 2001. Here is some detail on my current credit cards and other loan info. I have a Bank of America Visa Gold with a $6,000 limit; Bank of America Visa Platinum with a $8,100 limit; Macy's Star Rewards Visa with a $5,000 limit (it's also a Macy's Dept. Store Card but I don't know the limit); & a Hecht's Dept. Store Card (don't know limit). I don't use the Dept Store Cards much anymore (I just got them to establish credit). I have had the Bank of America Gold Since Fall 2003, the Platinum since January 2005 and the Macy's Visa since December 2003). I also have a current car loan through GMAC that I owe about @3,500. I have been making large car payments to have it payed off in 2-2.5 years instead of the 5 it was taken out for. I have been leaning towards the ATT Universal Master Card through Citi, because it looks best to me and I read in this forum that Citi was one of the easier banks to get approval. I assume my credit status is considered fair to good with the 718 score. I don't really have a preference of MC, Visa, Amex or Discover. I have never been late on any or my credit card payments or any other bills. Never bankrupt or anything like that either. I have a few inquires, but none too recent (only 1 latest being January for the Bank of America Platinum). Sorry for such a long first post. I appreciate any advice you can give in pointing me in right direction towards the best cash rewards cards with easiest approval.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Curtis Arnold
Board Monitor/ Administrator
Post subject: Best Cash Reward Credit Cards
Posted: Wed Apr 27, 2005 8:56 am
PhilBy,
Greetings and welcome to the board! Considering that you got approved for a BofA platinum with a $8,100 limit and what your credit score is, I think you should be ok applying for a Citibank card. I think it would be wise to get your other scores, though. Have you looked at all 3 of your reports? Also, out of curiosity, how did you find out about our website?
Best Regards,
http://www.cardratings.com
(501) 663-0314
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: PhilBy
Post subject: Best Cash Reward Credit Cards
Posted: Wed Apr 27, 2005 4:31 pm
Thanks for the welcome! I have seen my Equifax (did not give a credit score without cost) and Transunion (gave me the 718 credit score for free). Transunion seems to have the most information on me including my Verizion cellular phone and Allstate automobile policy. I think the last Experian I saw was about a year ago, but it didn't give a free credit score. I also have all of my bank accounts through Bank of America. I think most likely that may have also influenced the decision for the Platinum with a $8,100 limit. I was approved for the Visa Gold before opening any bank accounts with BofA. It started with $1,000 credit limit and then increased to $6,000 a few months ago. In your opinion, is the AT&T Universal Master Card through Citi the reward card I should apply for over the others? I found out about this forum through doing a Yahoo search for credit card comparisons and reviews. Thanks so much...
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Curtis Arnold
Board Monitor/ Administrator
Post subject: Best Cash Reward Credit Cards
Posted: Thu Apr 28, 2005 7:38 am
Depends on your personal preferences. The Citi Dividend Platinum Select is a very popular cash back card as well. Let us know how things turn out!
Best Regards,
http://www.cardratings.com
(501) 663-0314
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: CreditCardGuru
Post subject: Best Cash Reward Credit Cards
Posted: Fri Apr 29, 2005 11:44 am
What are some good rewards cards that are VISAs?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: guessindigo
Post subject: Best Cash Reward Credit Cards
Posted: Fri Apr 29, 2005 8:44 pm
VISA Signature Airline Cobrand cards.
In fact, MBNA is now offering a $0/annual fee VISA Signature card.
Guest: PhilBy
Posted: Tue Apr 26, 2005 9:47 pm
Hello I am 28 and new to the Forum. My Question is what is the best all around cash rewards credit card that I will have the best chance of being approved? I plan to use my card for gas mostly, but also at stores and online too. I applied for the Chase Perfect Master Card probably about a year ago and was denied due to lack of balance on revolving accounts. I have since been using my credit cards more regularly now, but always pay them off every month. I have been using them in place of my debit card, but don't allow them to aquire intrest. Here is a break down of my current credit situation. About 4 months ago my Trans Union credit score was 718 (I am not sure about my score on the other 2, but the informtion on it shouldn't vary much). I have been in Trans Unions system since December 2001. Here is some detail on my current credit cards and other loan info. I have a Bank of America Visa Gold with a $6,000 limit; Bank of America Visa Platinum with a $8,100 limit; Macy's Star Rewards Visa with a $5,000 limit (it's also a Macy's Dept. Store Card but I don't know the limit); & a Hecht's Dept. Store Card (don't know limit). I don't use the Dept Store Cards much anymore (I just got them to establish credit). I have had the Bank of America Gold Since Fall 2003, the Platinum since January 2005 and the Macy's Visa since December 2003). I also have a current car loan through GMAC that I owe about @3,500. I have been making large car payments to have it payed off in 2-2.5 years instead of the 5 it was taken out for. I have been leaning towards the ATT Universal Master Card through Citi, because it looks best to me and I read in this forum that Citi was one of the easier banks to get approval. I assume my credit status is considered fair to good with the 718 score. I don't really have a preference of MC, Visa, Amex or Discover. I have never been late on any or my credit card payments or any other bills. Never bankrupt or anything like that either. I have a few inquires, but none too recent (only 1 latest being January for the Bank of America Platinum). Sorry for such a long first post. I appreciate any advice you can give in pointing me in right direction towards the best cash rewards cards with easiest approval.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Curtis Arnold
Board Monitor/ Administrator
Post subject: Best Cash Reward Credit Cards
Posted: Wed Apr 27, 2005 8:56 am
PhilBy,
Greetings and welcome to the board! Considering that you got approved for a BofA platinum with a $8,100 limit and what your credit score is, I think you should be ok applying for a Citibank card. I think it would be wise to get your other scores, though. Have you looked at all 3 of your reports? Also, out of curiosity, how did you find out about our website?
Best Regards,
http://www.cardratings.com
(501) 663-0314
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: PhilBy
Post subject: Best Cash Reward Credit Cards
Posted: Wed Apr 27, 2005 4:31 pm
Thanks for the welcome! I have seen my Equifax (did not give a credit score without cost) and Transunion (gave me the 718 credit score for free). Transunion seems to have the most information on me including my Verizion cellular phone and Allstate automobile policy. I think the last Experian I saw was about a year ago, but it didn't give a free credit score. I also have all of my bank accounts through Bank of America. I think most likely that may have also influenced the decision for the Platinum with a $8,100 limit. I was approved for the Visa Gold before opening any bank accounts with BofA. It started with $1,000 credit limit and then increased to $6,000 a few months ago. In your opinion, is the AT&T Universal Master Card through Citi the reward card I should apply for over the others? I found out about this forum through doing a Yahoo search for credit card comparisons and reviews. Thanks so much...
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Curtis Arnold
Board Monitor/ Administrator
Post subject: Best Cash Reward Credit Cards
Posted: Thu Apr 28, 2005 7:38 am
Depends on your personal preferences. The Citi Dividend Platinum Select is a very popular cash back card as well. Let us know how things turn out!
Best Regards,
http://www.cardratings.com
(501) 663-0314
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: CreditCardGuru
Post subject: Best Cash Reward Credit Cards
Posted: Fri Apr 29, 2005 11:44 am
What are some good rewards cards that are VISAs?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: guessindigo
Post subject: Best Cash Reward Credit Cards
Posted: Fri Apr 29, 2005 8:44 pm
VISA Signature Airline Cobrand cards.
In fact, MBNA is now offering a $0/annual fee VISA Signature card.
