Chase Cash Plus Visa Credit Card
Guest: EasyRhino
Post subject: Chase Cash Plus Visa Credit Card
Posted: Mon Aug 07, 2006 5:55 pm
"Super Wal-Marts" are often categorized as grocery stores, and get the 5% grocery cashbacks. This is opposed to "Wal-Mart Supercenters", which generally aren't.
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Guest: JaneiR36
Credit Expert (100+ Posts)
Posted: Mon Aug 07, 2006 6:43 pm
There's a difference?
Curtis, I've got the Chase cash plus Visa & Mastercard. I heard about both of them on this forum but got a pretty poor deal compared to what others did I got nothing for signing up for the Visa, and signed on when I saw the $50 promotion for the Mastercard. I've read of people getting up to $150 on either or both.
EasyRhino, AFAIK, Citibank doesn't classify Superwalmarts (or walmart super centers) as 5% purchases. This just from things I've seen other people post.
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Guest: Board Monitor
Board Monitor/ Administrator
Posted: Tue Aug 08, 2006 8:47 am
JaneiR36-
Just to clarify, you get 5% back only on grocery purchases at Super Wal-Mart (not on all Wal-Mart purchases)?
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Guest: stevejk
Credit Expert (100+ Posts)
Posted: Tue Aug 08, 2006 9:25 am
There is something to be said to concentrate purchases on as few cards as needed. Rather than spreading out purchases over several cards and cashing out few and far between, concentrate purchases on fewer cards and cash out more often.
One of the things I factor in is that many times points expire after a period of time. Like the Chase Amazon.com card. While 5% at Amazon.com is nice, but I don't think I'd make enough purchases at Amazon.com to get the $25 reward before the points expire. Rather than waste points, I'll just use a regular card and make only 1% but know I'll be able to cash out before the points expire.
I've already stopped using -- but sockdrawered -- a card that has good rewards but not as good as others. I used it occasionally until I got to the minimum to cash out. Then I sockdrawered it. If my better-reward cards stop being so good, I can always go back.
I still occasionally use my Chase PerfectCard (was Freedom Card) but it pays out rewards at the end of the following statement period, so I don't have to wait to accumulate enough points or worry that the points may expire.
I also have the Citi Professional and Citi Professional Cash cards. They both pay 3% on restaurant, office supply stores, and car rental purchases. The difference is that the Citi Professional pays it out in Thank You points, whereas Citi Professional Cash pays cash. The former, to get the best return, can be paid out in $100 increments. The latter can be cashed out in $50 increments. To me, the latter is better. With my spending at restaurants, I'm sure I can accumulate points and cash them out before they expire. I'm not sure about Thank You points. But then again, since I have a Citibank EZ Checking and eSavings accounts, I accumulate Thank You points from that.
I wonder if Thank You points expire?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Chase Cash Plus Visa Credit Card
Posted: Mon Aug 07, 2006 5:55 pm
"Super Wal-Marts" are often categorized as grocery stores, and get the 5% grocery cashbacks. This is opposed to "Wal-Mart Supercenters", which generally aren't.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: JaneiR36
Credit Expert (100+ Posts)
Posted: Mon Aug 07, 2006 6:43 pm
There's a difference?
Curtis, I've got the Chase cash plus Visa & Mastercard. I heard about both of them on this forum but got a pretty poor deal compared to what others did I got nothing for signing up for the Visa, and signed on when I saw the $50 promotion for the Mastercard. I've read of people getting up to $150 on either or both.
EasyRhino, AFAIK, Citibank doesn't classify Superwalmarts (or walmart super centers) as 5% purchases. This just from things I've seen other people post.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor
Board Monitor/ Administrator
Posted: Tue Aug 08, 2006 8:47 am
JaneiR36-
Just to clarify, you get 5% back only on grocery purchases at Super Wal-Mart (not on all Wal-Mart purchases)?
_________________
Regards,
Curtis Arnold
Board Monitor
http://www.CardRatings.com
20K+ Credit Card Reviews
Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: stevejk
Credit Expert (100+ Posts)
Posted: Tue Aug 08, 2006 9:25 am
There is something to be said to concentrate purchases on as few cards as needed. Rather than spreading out purchases over several cards and cashing out few and far between, concentrate purchases on fewer cards and cash out more often.
One of the things I factor in is that many times points expire after a period of time. Like the Chase Amazon.com card. While 5% at Amazon.com is nice, but I don't think I'd make enough purchases at Amazon.com to get the $25 reward before the points expire. Rather than waste points, I'll just use a regular card and make only 1% but know I'll be able to cash out before the points expire.
I've already stopped using -- but sockdrawered -- a card that has good rewards but not as good as others. I used it occasionally until I got to the minimum to cash out. Then I sockdrawered it. If my better-reward cards stop being so good, I can always go back.
I still occasionally use my Chase PerfectCard (was Freedom Card) but it pays out rewards at the end of the following statement period, so I don't have to wait to accumulate enough points or worry that the points may expire.
I also have the Citi Professional and Citi Professional Cash cards. They both pay 3% on restaurant, office supply stores, and car rental purchases. The difference is that the Citi Professional pays it out in Thank You points, whereas Citi Professional Cash pays cash. The former, to get the best return, can be paid out in $100 increments. The latter can be cashed out in $50 increments. To me, the latter is better. With my spending at restaurants, I'm sure I can accumulate points and cash them out before they expire. I'm not sure about Thank You points. But then again, since I have a Citibank EZ Checking and eSavings accounts, I accumulate Thank You points from that.
I wonder if Thank You points expire?
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 6:07 PM
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