Which Reward Credit Card
Author: Wondurkind
Posted: Thu Jul 01, 2004 2:48 pm
Post subject: Which Reward Credit Card
Hi,
I'm currently shopping around for a credit card that earns rewards to replace one of mine that doesn't earn any. Does anyone have any suggestions to which card will yield the most points/rewards for the buck? I have (knock on wood) excellent credit, and want a card with no annual fee. I was thinking of getting a practical card, like a grocery/gas card, but I find they either charge an annual fee, the reward points expire after a while or it will take forever to redeem the rewards (ex. With BP card, you get 3% everytime you pay in a BP station, or 1% elsewhere. Thus you'll have to spend $700 or $2k respectively to get your $20 free gas card). I guess in a nutshell, not enough "bang for the buck".
I have an Amex Hilton Optima card and I find it the best card out there not only because do these points don't expire, but I earn 3 points for every dollar charged. On top of that, they even have special promotions where points multiply for certain periods too! The only thing I'm disappointed in their reward program is the lack of retail variety when I want to redeem my points.
So all in all, I'm looking for card with no annual fee, nonexpiring rewards, and having a good variety of rewards to choose from. Thanks for your time and your thoughts!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: nobody
Posted: Thu Jul 01, 2004 2:50 pm
Post subject: Which Reward Credit Card
7/17/2002 4:42 pm CDT
Shell Mastercard pays 5% back for shell gasoline, and is redeemed every month in the form of free gas purchased on the card. But this is still probably not enough for what you are looking for.
Author: Ira Stoller
Posted: Thu Jul 01, 2004 2:50 pm
Post subject: Which Reward Credit Card
7/17/2002 10:39 pm CDT
For gas cards try the Shell card from Chase. 5% monthly rebate on Shell gas, 1% on everything else. You can also get a Gulf card from Fleet, 3% cash rebate on Gulf gas, 1% on other purchases, or an Exxon/Mobil card from Associates (now Citibank) which gives a somewhat smaller rebate. All of these cards give you cash rebates every month which are instantly applied to your gas purchases. I'm sure there are others out there just as good.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: bhoff
Posted: Thu Jul 01, 2004 2:51 pm
Post subject: Which Reward Credit Card
7/21/2002 7:13 pm CDT
I use chase/shell platimum. THey give you 5% at shell stations and 1% on all other purchases. In addition they have a 30 day grace period, and they apply your cash bonus monthly rather than once a year like Discover.
Posted: Thu Jul 01, 2004 2:48 pm
Post subject: Which Reward Credit Card
Hi,
I'm currently shopping around for a credit card that earns rewards to replace one of mine that doesn't earn any. Does anyone have any suggestions to which card will yield the most points/rewards for the buck? I have (knock on wood) excellent credit, and want a card with no annual fee. I was thinking of getting a practical card, like a grocery/gas card, but I find they either charge an annual fee, the reward points expire after a while or it will take forever to redeem the rewards (ex. With BP card, you get 3% everytime you pay in a BP station, or 1% elsewhere. Thus you'll have to spend $700 or $2k respectively to get your $20 free gas card). I guess in a nutshell, not enough "bang for the buck".
I have an Amex Hilton Optima card and I find it the best card out there not only because do these points don't expire, but I earn 3 points for every dollar charged. On top of that, they even have special promotions where points multiply for certain periods too! The only thing I'm disappointed in their reward program is the lack of retail variety when I want to redeem my points.
So all in all, I'm looking for card with no annual fee, nonexpiring rewards, and having a good variety of rewards to choose from. Thanks for your time and your thoughts!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: nobody
Posted: Thu Jul 01, 2004 2:50 pm
Post subject: Which Reward Credit Card
7/17/2002 4:42 pm CDT
Shell Mastercard pays 5% back for shell gasoline, and is redeemed every month in the form of free gas purchased on the card. But this is still probably not enough for what you are looking for.
Author: Ira Stoller
Posted: Thu Jul 01, 2004 2:50 pm
Post subject: Which Reward Credit Card
7/17/2002 10:39 pm CDT
For gas cards try the Shell card from Chase. 5% monthly rebate on Shell gas, 1% on everything else. You can also get a Gulf card from Fleet, 3% cash rebate on Gulf gas, 1% on other purchases, or an Exxon/Mobil card from Associates (now Citibank) which gives a somewhat smaller rebate. All of these cards give you cash rebates every month which are instantly applied to your gas purchases. I'm sure there are others out there just as good.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: bhoff
Posted: Thu Jul 01, 2004 2:51 pm
Post subject: Which Reward Credit Card
7/21/2002 7:13 pm CDT
I use chase/shell platimum. THey give you 5% at shell stations and 1% on all other purchases. In addition they have a 30 day grace period, and they apply your cash bonus monthly rather than once a year like Discover.
posted by CardRatings.com at 3:14 PM
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