Credit Card Reward Programs Forum
Guest: Charlie
Post subject: Credit Card Reward Programs Forum
Posted: Mon Nov 15, 2004 2:43 am
There is a whole forum devoted to getting card rewards. Take a look at: http://www.creditcardgoodies.com/forum/
My personal favorite is the Fidelity/MBNA Mastercard. It pays 1.5% of your purchases as cashback. You must have a brokerage account at Fidelity to get it. They are a pretty good brokerage so I see it as a win/win but you have to watch out for brokerage fees.
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Guest: luvozzie
Posted: Wed Nov 17, 2004 11:53 am
Sorry if this question sounds crazy but what exactly does "stand alone merchants" mean?
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Guest: bodeh6
Posted: Mon Nov 29, 2004 4:00 pm
"Stand alone" means that at gas stations, purchases made in the store do not count toward the 5% rebate. You earn the normal 1% with the Dividend Platinum Select. You can only get the 5% if you use the pay at the pump. This prevents you from receiving the 5% on things like beer, convience food, and auto repairs. 5% is strictly for gas paid at pump. If you need that stuff(minus the auto repairs), go to a grocery store/pharmacy and then you will get the 5%.
BTW: The Citibank Dividend Platinum Select has been my new favorite card since I got it in April 2004. I am a college student that commutes and lives at home. So I put all my gas from ANY gas station on the Citi card. I also work at CVS pharmacy, so when ever I buy anything (even $0.50) I just whip out the Citi card.
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
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Tue Nov 30, 2004 7:57 am
bodeh6 wrote:
"Stand alone" means that at gas stations, purchases made in the store do not count toward the 5% rebate. You earn the normal 1% with the Dividend Platinum Select. You can only get the 5% if you use the pay at the pump. This prevents you from receiving the 5% on things like beer, convience food, and auto repairs. 5% is strictly for gas paid at pump. If you need that stuff(minus the auto repairs), go to a grocery store/pharmacy and then you will get the 5%.
From my interpretation of the fine print, it indicates that the business, depending on how they code the transaction, has to be a stand-alone gas station, as opposed to the gas pumps associated with Wal-Mart. The AAA Visa, back when it was a good deal, specifically said that the rebate was for pay at the pump purchases only. The Citi card, if memory serves me correctly, only says purchases at standalone gas stations. I infer that it includes purchases made inside as well as at the pump.
I also have the Chase Freedom Card (a.k.a. Chase Perfect Card). I once purchased a gasoline gift card at the gas station at the register inside
and I got the 3% rebate despite it being rung up as "labor" -- they had an attached service station. I think they did it that way so that it would not be sales tax (in addition to the hidden taxes in the price of gas) as a miscellaneous purchase would.
Steve
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: Credit Card Reward Programs Forum
Posted: Mon Nov 15, 2004 2:43 am
There is a whole forum devoted to getting card rewards. Take a look at: http://www.creditcardgoodies.com/forum/
My personal favorite is the Fidelity/MBNA Mastercard. It pays 1.5% of your purchases as cashback. You must have a brokerage account at Fidelity to get it. They are a pretty good brokerage so I see it as a win/win but you have to watch out for brokerage fees.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: luvozzie
Posted: Wed Nov 17, 2004 11:53 am
Sorry if this question sounds crazy but what exactly does "stand alone merchants" mean?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: bodeh6
Posted: Mon Nov 29, 2004 4:00 pm
"Stand alone" means that at gas stations, purchases made in the store do not count toward the 5% rebate. You earn the normal 1% with the Dividend Platinum Select. You can only get the 5% if you use the pay at the pump. This prevents you from receiving the 5% on things like beer, convience food, and auto repairs. 5% is strictly for gas paid at pump. If you need that stuff(minus the auto repairs), go to a grocery store/pharmacy and then you will get the 5%.
BTW: The Citibank Dividend Platinum Select has been my new favorite card since I got it in April 2004. I am a college student that commutes and lives at home. So I put all my gas from ANY gas station on the Citi card. I also work at CVS pharmacy, so when ever I buy anything (even $0.50) I just whip out the Citi card.
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
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Tue Nov 30, 2004 7:57 am
bodeh6 wrote:
"Stand alone" means that at gas stations, purchases made in the store do not count toward the 5% rebate. You earn the normal 1% with the Dividend Platinum Select. You can only get the 5% if you use the pay at the pump. This prevents you from receiving the 5% on things like beer, convience food, and auto repairs. 5% is strictly for gas paid at pump. If you need that stuff(minus the auto repairs), go to a grocery store/pharmacy and then you will get the 5%.
From my interpretation of the fine print, it indicates that the business, depending on how they code the transaction, has to be a stand-alone gas station, as opposed to the gas pumps associated with Wal-Mart. The AAA Visa, back when it was a good deal, specifically said that the rebate was for pay at the pump purchases only. The Citi card, if memory serves me correctly, only says purchases at standalone gas stations. I infer that it includes purchases made inside as well as at the pump.
I also have the Chase Freedom Card (a.k.a. Chase Perfect Card). I once purchased a gasoline gift card at the gas station at the register inside
and I got the 3% rebate despite it being rung up as "labor" -- they had an attached service station. I think they did it that way so that it would not be sales tax (in addition to the hidden taxes in the price of gas) as a miscellaneous purchase would.
Steve
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 7:19 PM
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