AmEx Blue vs. Citi Dividend Rebate Credit Cards

Guest: JoyJoy
Post subject: AmEx Blue vs. Citi Dividend Rebate Credit Cards
Posted: Tue Mar 21, 2006 2:30 pm

In your honest opinion, which one is the best and why do you like it?

Thanks!
_________________
J~J

---

CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards!

---

Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Tue Mar 21, 2006 3:51 pm

I like the AMEX card better.


Its like cool stuts symbol stuff.


"I'm sorry what was that total again? Oh very well, here's my card. Do you take American Express? (Obnoxious upper class tone of voice)"

Anyways ... thats my opinion, but I'm kinda shallow.



No, my name is NOT Hal.
_________________
Average credit score: 709 !!!!!!

WOOOHOOOOOO

---

CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards!

---

Guest: JoyJoy
Posted: Tue Mar 21, 2006 6:35 pm

Citi Dividend has the American Express logo on their card now so really it's the best of both worlds!
_________________
J~J

---

CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards!

---

Guest: quiznut1
Posted: Wed Mar 22, 2006 12:44 am

JoyJoy wrote:
Citi Dividend has the American Express logo on their card now so really it's the best of both worlds!


The OP originally was asking which card was a better card, the Blue Cash, or Citi Dividend.

My advice would be to use the Citi Dividend card exclusively for the 5% cash back on gas, groceries, and drugstore, because the 5% Blue Cash rebate on these purchases doesn't kick in till you've reached $6,500 in total annual purchases.

Once you reach the $300 yearly rebate limit with the Citi card, use the Blue Cash as your primary card, because you'll have probably reached that $6,500 threshold with Blue Cash on everything else. This means you'll be able to earn the 5% rebate on gas, groceries, and drugstore with Blue Cash. Otherwise, for the first $6,500, you will only earn 1% on gas, groceries, and drugstore.

So use the AMEX Blue Cash for everything else but gas, groceries, and drugstore till you reach the $6,500 threshold, then feel free to continue to use it for everything else along with gas, groceries, and drugstore. The first $6,500 in total annual purchases earn .5%, (Everything else, not gas, groceries, drugstore) with Blue Cash, and then it's 1.5% after that, which is better than the Citi Dividend's 1% on non-gas, grocery, and drugstore.

---

CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards!

---

Guest: JoyJoy
Posted: Wed Mar 22, 2006 7:59 am

Great explanation Quiznut1! Citi Dividend seems to be the best choice in our situation.
_________________
J~J

---

CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards!

---

Guest: maddybeagle
Credit Expert (100+ Posts)
Posted: Wed Mar 22, 2006 9:09 am

Hey quiz, I think you should be compiling some of your posts and put them somewhere for folks to access. Very well written.

---

CardRatings.com is the most comprehensive source for comparing credit card offers.  Please visit CardRatings.com to view the best rated credit cards!

---