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Chase Cash Plus Visa Credit Card
Guest: EasyRhino Post subject: Chase Cash Plus Visa Credit CardPosted: 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)? _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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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?
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Chase Flexible Rewards Platinum Visa Credit Card
Guest: usmsci Credit Expert (100+ Posts) Post subject: Chase Flexible Rewards Platinum Visa Credit Card Posted: Tue Aug 08, 2006 9:48 am I just got in a Chase Rewards Card and on the website its confusing about the rewards when i log in: it says Quote: CashBuilder Rewards Perfect Card Rewards Freedom Rewards Ultimate Cash Rewards EDIT: i just looked online and i got the chase flexible rewards platinum visa so maybe i CAN use all of them or pick one per month i am not sure. i am not sure if i get all those or i get one of them. anyway it said on the card when i got it that i get 5% on groceries, gas,drugstores and home improvent stores and 2% for everything else which i think includes restaurants but i am not too sure about that. i dont think it has to be walmart.. jsut a grocery store that uses the mastercard or visa logo. correct me if i am wrong though. i got a $3,000 CL btw.
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Tue Aug 08, 2006 3:38 pm usmsci, regular drugstores always get the higher cash back amount. Walmart actually is the exception in certain cases (Citi gives only 1% on Walmart purchases, for instance). Curtis, I get the full 5% on all Walmart purchases just because it has that grocery store section I've gone there once and bought only clothes and still got 5% back!
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Guest: usmsci Credit Expert (100+ Posts) Posted: Tue Aug 08, 2006 3:50 pm JaneiR36 wrote: usmsci, regular drugstores always get the higher cash back amount. Walmart actually is the exception in certain cases (Citi gives only 1% on Walmart purchases, for instance). Curtis, I get the full 5% on all Walmart purchases just because it has that grocery store section I've gone there once and bought only clothes and still got 5% back! so if i shop at walmart ill get the 5% but if i shop at albertsons or winn dixie i wont get the 5%? the benefits page states that as long as the supermarket is referenced as grocery then it shouldnt matter. I would rather shop at winn-dixie, albertsons and walgreens then step foot in china-mart. seems to me that a grocery store is a grocery store and you should get the 5%. Unless i missed something a grocery store is a grocery store. lets hope certain credit cards are not biased towards certain retailers.
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Citi Credit Cards with ThankYou Points
Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Post subject: Citi Credit Cards with ThankYou Points Posted: Sun Aug 06, 2006 9:26 am Quote: I do have four Citi cards but I don't use any of them for everyday purchases due to the points adding up issue. What issue? Citi cards now give you ThankYou points. You can consolidate all those ThankYou points automatically online by simply adding each card to your ThankYou membership ID. I actually have two Citibank debit cards (West Coast and East Coast--Citi can't combine the two accounts) and get 800 points a month from one and 600 points per month from the other...paying me about $150 per year just to have the accounts...all of which have no fees... As for my feelings about it, I look at it very simply. I'm not lying to anyone. I'm not doing anything dishonest. I'm not filing any false applications. I'm offered a deal with a premium for signing up--a deal that states I can cancel without penalty at any time. So I sign up, get the deal premium, and call to cancel. At that point, usually I'm offered another deal to stay with the program, so I accept the new deal. Sometimes I'm just cancelled. Then I wait for another deal and sign up again. I don't have any moral qualms about doing this, because I'm just accepting an offer made to me. If it isn't in the best interests of the banks to make such offers to me, they'll stop. It's up to them. It's no secret that the banks make outrageous profits from these programs despite all the premium offers. These Credit Protection services typically charge you 85 cents for every $100 on your statement balance each and every month. That's over 10% per year in fees for some "insurance" that has a lot of conditions and limitations to collect on anyway. That's horrendous! _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Sun Aug 06, 2006 9:45 am Board Monitor wrote: What exactly are you currently getting on your Wal-Mart purchases? Curtis, I get 5% on all my Walmart purchases. It's a Superwalmart so I also buy my groceries from there. Polonius, I think I just might consider cashing all those payment protection checks. That's a ton of money! RE: Points adding up. As I mentioned, I do most of my grocery shopping at Walmart as well, so the only 5% purchases I would have left to make would be gas, which I spend less than $100 per month. So it's a question of when all of any points I get to accumulate using my Citicards would add up to a collectible amount. At 1% rewards mostly, it'll probably take a much longer length of time to add up.
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Guest: maddybeagle Credit Expert (100+ Posts) Posted: Sun Aug 06, 2006 1:09 pm another thing you could do is simply call up to get a retention offer from citi on one of the cards. Should be able to get 2-5% on your regular 1% purchases...probably only for 3 months but you could just cycle it....
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Guest: Board Monitor Board Monitor/ Administrator Posted: Mon Aug 07, 2006 1:08 pm Quote: Curtis, I get 5% on all my Walmart purchases. It's a Superwalmart so I also buy my groceries from there. Which Chase Card do you have and how long have you been getting it? Very nice. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Cash Back Credit Cards Terms
Guest: JaneiR36 Credit Expert (100+ Posts) Post subject: Cash Back Credit Cards TermsPosted: Sat Aug 05, 2006 8:46 pm EasyRhino, the pathetic points are also a problem I have to deal with. For instance, a friend just told me of a card with a local bank (National City) that offers 3 or 4% on restaurant purchases. I wanted to go with this, but they give 4% for gas and only about 2% for groceries whereas I get 5% for gas and groceries from Chase. Not to mention, you have to make $10,000 in purchases and get the .25% rewards on everything else before you can start earning a full 1%. So whereas the 4% on restaurants seems great, how much could I possibly eat before I cash in on that? I agree about being naive, too. Discover was my only rewards card for a while there and I didn't even know I had to sign up when they had those "Get More" promotions. I didn't know why it took so long to get my rewards, either. For them, I think you get .25% until you hit $3000 or so, and then at another mark you start getting .5%, and then finally you earn a full 1% on all purchases except for the straight up 5% if you're signed up for their get more purchases. And then it resets at your anniversary every year. As you can imagine, I only use this for Get more, and thankfully they let you start redeeming at $20.
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Guest: shan Posted: Sun Aug 06, 2006 2:06 am Polonius has the right idea! The banks make enough money off of us. Why not take advantage of any opportunity to get some of it back? After all, they are only using these promos to entice us to spend more!
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Guest: Board Monitor Board Monitor/ Administrator Posted: Sun Aug 06, 2006 7:51 am Quote: Walmart every month, and only my Chase cards give me rewards on that so far. What exactly are you currently getting on your 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: maddybeagle Credit Expert (100+ Posts) Posted: Sun Aug 06, 2006 8:55 am Quote: For instance, a friend just told me of a card with a local bank (National City) that offers 3 or 4% on restaurant purchases. I wanted to go with this, but they give 4% for gas and only about 2% for groceries whereas I get 5% for gas and groceries from Chase. Not to mention, you have to make $10,000 in purchases and get the .25% rewards on everything else before you can start earning a full 1%. So whereas the 4% on restaurants seems great, how much could I possibly eat before I cash in on that? I dont think it is worth the time to try to get the best from several cards....I try to stick with 1-2 cards for everyday use....I agree the Chase card with the 5% back at Walmart Supercenter is the best everyday use card. Then another card with 1.5-2% back on everything else is a good bet...
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Next Best Rewards Credit Card?
Guest: JaneiR36 Credit Expert (100+ Posts) Post subject: Next Best Rewards Credit Card?Posted: Sat Aug 05, 2006 7:29 pm I keep hearing about the next best rewards card, and even when they offer me a higher percentage than I'm currently earning on a given category, I always feel like if they're not offering at least what I get on certain everyday purchases the amount would never be enough to actually collect the rewards! Either that, or it would take a much longer length of time. For instance, unless it's for the initial $100 bonus, I find it hard to apply for anything Citibank for rewards purposes. This being because I spend a huge amount of money on Walmart every month, and only my Chase cards give me rewards on that so far. Without the Walmart / grocery purchases to seriously bump the total amount, I wonder when I'll actually be able to collect my points. Anyone face this scenario, and if so, how do you deal with it? If not, how come?
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Guest: Polonius SENIOR MEMBER (Member for 2 yrs.+) Posted: Sat Aug 05, 2006 8:35 pm If you have a card that gives you better benefits at WalMart than a Citibank card, of course you should use that card to shop at WalMart. But for me that's not an argument against getting a Citibank card. You can't ignore that $100 bonus, the 0% intro offer, the ability to balance transfer to it and then get a cash refund of any credit balance, the possibility of getting other special offers from the card now or in the future, and the boost any additional cards will give to your credit scores. No harm in sockdrawering it if it's not useful to you for retail purchases. For example, Citibank has a promo going on with Google right now for Google's new merchant shopping service. Enroll your Citibank card and get $5 first time you use it at a Google merchant. I enrolled all six of my Citibank cards, purchased a 35 cent video download on each (which I didn't bother to download), and pocketed a quick $30.00. I also enrolled the cards I wasn't using in Citibank's card protection program and pocketed another $40 per card. After I get those $40 checks, I'll call to cancel the protection service and be enticed into keeping it by being offered gift cards or $50 in coupons or whatever the going retention deal is. _________________ Polonius "Neither a borrower, nor a lender be; For loan oft loses both itself and friend"
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Guest: EasyRhino Posted: Sat Aug 05, 2006 8:40 pm Oh sure. I have five cards in daily spending rotation right now. And I don't really spend that much in a year. It tends to dripple out rewards thresholds across multiple cards. But, when I was hoplessly naive, and only had a 1% card, and paid for lots of stuff with cash, I only think I ever redeemed any money once every year or two. And even then, not big bucks, like $25 or $75. Now, I'll probably still only be cashing out at about the same frequency, except across five cards instead of one. The way I figure it, if you can get a meaningful amount back from it over the course of a year, then it's worth using. Any longer, and it's probably too much of a pain, or even runs a risk of having points expire.
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Guest: JaneiR36 Credit Expert (100+ Posts) Posted: Sat Aug 05, 2006 8:41 pm That's an interesting way to look at it, Polonius, getting the rewards on not necessarily everyday purchase items but rather the gimmes they throw around every now and then. I do have four Citi cards but I don't use any of them for everyday purchases due to the points adding up issue. I'll definitely reconsider seeing as there are so many ways to get the points to add up, or just get rewards, either way. I have about 3 $20 checks from Chase for the payment protection. How do you feel about signing up for these, and then talking to a real person to cancel knowing full and well you weren't going to keep the service to begin with? Just to be clear, I'm not attacking you at all, I'm actually looking for a pep talk so I can rationalize it and be that way as well and pocket the money, too! Last edited by JaneiR36 on Sat Aug 05, 2006 8:48 pm; edited 1 time in total
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