Chase Cash Plus Visa Credit Card
Author: georgee
Posted: Tue Mar 21, 2006 4:13 pm P
Post subject: Citi Dividend Card Vs. Chase Cash Plus Visa
Which card is better? They both have a $300 annual cap. Or should I get both?
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Author: quiznut1
Posted: Tue Mar 21, 2006 4:44 pm
Post subject: Re: Citi Dividend Card Vs. Chase Cash Plus Visa
georgee wrote:
Which card is better? They both have a $300 annual cap. Or should I get both?
Some differences between these cards is that Chase operates by a points system. You earn 5 points for every dollar you spend on gas stations, grocery stores, drug stores, and 1 point for every dollar on everything else. You can redeem 5,000 points for $50 cash.
The thing is, you can't redeem 5,125 points for a $51.25 check with Chase, unlike the Citi card, which allows you to redeem all the cash back you have earned so far, as long as it is $50 or higher.
Also, to redeem your points with Chase, you must register your card at the Choose My Rewards website, which is free to do. You simply login to redeem your points, whereas with Citi you can login to online account access and redeem, or call customer service.
Another big difference between the two, is Chase's signup bonus. I posted earlier on this, but Chase has a promo for 10,000 bonus points on your first purchase ($100 cash back), offer code: 94B, Expires April 30, 2006. Call 1-888-787-0329. I don't believe the Citi card has a signup bonus, and if they do, it would be like, "2% cash back on everything else for 90 days" (instead of the standard 1%). I haven't seen any recent bonus offers for signing up however.
One last thing, your points you earn from this Chase card will expire in 3 years from the statement they were earned. Citi's Dividend dollars never expire.
If I were in your spot, I would apply for the Chase Cash Plus, get the $100 bonus, and if you have a spouse, sign him/her up as well for the same card. You'll not only receive another $100 bonus, but have a secondary card when the first one reaches the 30,000 calendar yearly limit.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: db619196
Posted: Wed Mar 22, 2006 8:09 am
Post subject: difference
A big difference I have noticed (at least in my experience) is that my Citi Dividend doesn't give 5% back at Wal-Mart, but my Chase Cash Plus does. So I use the Cash Plus Card whenever I shop at Wal-Mart. Otherwise, the cards are basically the same.
Author: maddybeagle
Posted: Wed Mar 22, 2006 9:03 am
Post subject:
Nice explanations. I think another issue that people have discussed is Citi having better customer service than Chase (others may not have any opinion). I have both cards and currently using the Chase to see if Citi throws some special offers my way.
Author: Board Monitor
Posted: Wed Mar 22, 2006 9:48 am
Post subject:
Quote:
A big difference I have noticed (at least in my experience) is that my Citi Dividend doesn't give 5% back at Wal-Mart, but my Chase Cash Plus does. So I use the Cash Plus Card whenever I shop at Wal-Mart. Otherwise, the cards are basically the same.
Interesting. Do you get 5% back on grocery, drugstore and gas purchases at Wally World?
_________________
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Curtis Arnold
Board Monitor
http://www.CardRatings.com
20K+ Credit Card Reviews
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Tue Mar 21, 2006 4:13 pm P
Post subject: Citi Dividend Card Vs. Chase Cash Plus Visa
Which card is better? They both have a $300 annual cap. Or should I get both?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: quiznut1
Posted: Tue Mar 21, 2006 4:44 pm
Post subject: Re: Citi Dividend Card Vs. Chase Cash Plus Visa
georgee wrote:
Which card is better? They both have a $300 annual cap. Or should I get both?
Some differences between these cards is that Chase operates by a points system. You earn 5 points for every dollar you spend on gas stations, grocery stores, drug stores, and 1 point for every dollar on everything else. You can redeem 5,000 points for $50 cash.
The thing is, you can't redeem 5,125 points for a $51.25 check with Chase, unlike the Citi card, which allows you to redeem all the cash back you have earned so far, as long as it is $50 or higher.
Also, to redeem your points with Chase, you must register your card at the Choose My Rewards website, which is free to do. You simply login to redeem your points, whereas with Citi you can login to online account access and redeem, or call customer service.
Another big difference between the two, is Chase's signup bonus. I posted earlier on this, but Chase has a promo for 10,000 bonus points on your first purchase ($100 cash back), offer code: 94B, Expires April 30, 2006. Call 1-888-787-0329. I don't believe the Citi card has a signup bonus, and if they do, it would be like, "2% cash back on everything else for 90 days" (instead of the standard 1%). I haven't seen any recent bonus offers for signing up however.
One last thing, your points you earn from this Chase card will expire in 3 years from the statement they were earned. Citi's Dividend dollars never expire.
If I were in your spot, I would apply for the Chase Cash Plus, get the $100 bonus, and if you have a spouse, sign him/her up as well for the same card. You'll not only receive another $100 bonus, but have a secondary card when the first one reaches the 30,000 calendar yearly limit.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: db619196
Posted: Wed Mar 22, 2006 8:09 am
Post subject: difference
A big difference I have noticed (at least in my experience) is that my Citi Dividend doesn't give 5% back at Wal-Mart, but my Chase Cash Plus does. So I use the Cash Plus Card whenever I shop at Wal-Mart. Otherwise, the cards are basically the same.
Author: maddybeagle
Posted: Wed Mar 22, 2006 9:03 am
Post subject:
Nice explanations. I think another issue that people have discussed is Citi having better customer service than Chase (others may not have any opinion). I have both cards and currently using the Chase to see if Citi throws some special offers my way.
Author: Board Monitor
Posted: Wed Mar 22, 2006 9:48 am
Post subject:
Quote:
A big difference I have noticed (at least in my experience) is that my Citi Dividend doesn't give 5% back at Wal-Mart, but my Chase Cash Plus does. So I use the Cash Plus Card whenever I shop at Wal-Mart. Otherwise, the cards are basically the same.
Interesting. Do you get 5% back on grocery, drugstore and gas purchases at Wally World?
_________________
Regards,
Curtis Arnold
Board Monitor
http://www.CardRatings.com
20K+ Credit Card Reviews
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 8:59 PM
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