where they at, i need one.

8/23/2006 8:38:38 AM

no clue

8/23/2006 8:38:57 AM

Go to citicards.com

I love my Dividend Rewards
5% cash back on gasoline and groceries
1% cash back on everything

8/23/2006 8:57:48 AM

^ thats the card I am gonna get

I get all travel expenses paid plus I get paid per mile when I am on the road for work...

might as well get money back for it

8/23/2006 8:59:09 AM

Good deal.

My old boss also worked as a professor at Charleston Southern and he got reimbursed for all the equipment the econ department bought there.

He rocked an American Express Black card...the only time I'd ever seen one. I was like
You can buy a country with that card.

8/23/2006 9:01:15 AM

my dad turned one of those down.

I think you have to spend in excess of 100,000 a year on credit and have a good credit history (obviously) to get offered the card. You can't apply for it directly.

[Edited on August 23, 2006 at 9:11 AM. Reason : ..]

8/23/2006 9:08:14 AM

just so you know, Dividend card is going away.

If you apply now, you will probably get the letter telling you so a week after you receive your card. They have been sending these letters to card owners starting about a week ago. It says the new benefits will begin 2nd week in Oct.


They are moving it to 2% for "everyday" purchases, but are adding utilities + some other category to try and make up for it.

Makes the card pretty worthless, imho.

8/23/2006 9:08:15 AM

It makes a good point, a gas card would probably do me well. I'm going to be driving 30 miles a day to work and i'll get mileage reimbursement. might as well get like a BP card from chase or something.

8/23/2006 9:12:37 AM

^^why wouldn't you turn it down? The annual fee alone is a couple grand. You get concierge services + stuff like that with it, but I think it's mostly just to show off.


as far as recommendations, here's what i got for ya:

-mtvU card (by Citi): 5% (in the form of rewards points) for restaurants, movies, video stores, bookstores (hint: amazon counts as a bookstore), and record stores.

-Starwood Amex: GREAT for frequent flyer miles, you can get a ticket on any airline + for less miles than the airline itself would charge.

-Citi Driver's edge: gives you 3% on "everyday" purchases, but at the end of the year, you can send in a mileage report, and you get an extra 3% for every mile you drove. Wait, that didn't make sense. Basically, if you drive enough miles, it will double the rewards you've earned that year. So this one is potentially 6% on everyday purchases.

that is all for now.

8/23/2006 9:12:55 AM

i have a chase card that i earn miles for any airline.

no yearly fee, i dont know about the APR, cause i always pay it off.

$1 per mile
25,000miles = round trip ticket in the US.


i dont know if its the best, but its free and has worked well for me.

8/23/2006 9:13:08 AM

yeah, i didn't ask him about it, but he acted like it was rediculous

8/23/2006 9:15:08 AM

seriously, bttt

8/23/2006 9:41:34 AM

what exactly are you looking for? Bonuses for new applications? long term rewards? free flights? cashback? specific categories? 0% balance transfers?

WHAT IS YOUR PU RPOSE??!?!?


be more specific.

8/23/2006 9:45:16 AM

http://brentroad.com/message_topic.aspx?topic=420232

fatwallet link near the bottom

8/23/2006 9:46:28 AM

umm.. I'm thinking a gas card may be a way to go, but i'm looking for decent rewards with decent rates, some sort of incentive thing to sign up, not really giving a shit about balance transfers, cause i don't have any.

Simple question, who you like better, amex or visa? i've got an amex corporate, but it seems as though visa is a little more universal...

8/23/2006 9:47:05 AM

wtf is this shit. isnt their 15 other threads on this same thing?

8/23/2006 9:47:48 AM

I was gonna do a gas card

but there are cards that aren't strictly gas cards that will still reward you on gas and other purchases

8/23/2006 9:47:56 AM

it really depends on what you want

some offer gas rebates (for a few months)

others offer hotel, airline, etc

i have a chase thats 0% apr forever and on balance transfers but thats it

my amex (looks cool cause its clear) gives me travel points. 1$ per point 7500 points= $150 off airline tickets. i just use it for everything and pay it off every month= free travel every year

if you have to pay an annual fee dont get it

something worth noting: capital one will actually hurt your credit if you close your account. you have to let those become inactive for a year to cancel without penalty. look into it more before you buy.
check out http://www.clarkhoward.com for some good free advice.
and this is cool too:http://www.creditcards.com/index.php?a_aid=1004&a_cid=1000&a_did=1005

8/23/2006 9:51:25 AM

^acutally, having a Capital One card AT ALL will hurt your credit. It is because they do not report your credit limit, only your balance. So your utilization % goes soaring if you have even a $1 charge on there.

you have a Chase with 0% forever? What are the terms (is it the 2 purchases/mo one?), and how do I get one?

about annual fees: I pay $30 for my Starwood AmEx, and it is well worth it (to me at least). So I wouldn't say you should NEVER pay an annual fee. But in general, I agree.


unfortunately the 5% on gas, groceries, and drugs stores seem to be going the way of the Dodo. The only one I have left in my arsenal is the Chase cash rewards plus card, and you can't even apply for that one anymore. You can get the AT&T Universal card, which gives 5% but in the form of rewards points. Which is really just as good, because Citi's rewards program kicks ass, unless you HAVE to have the cash.


subtotal: Amex is great company, they will stand up for you if you have a dispute or anything like that. Also, most of their cards include great services like warranty extension (up to 1 yr), theft protection for 90 days, etc. However they're not universally accepted (although most places take it), so I would give a slight edge to the Visa.

8/23/2006 9:59:41 AM

if anyone wants to apply for a mtvU card (EVERYONE should!), pm me

8/23/2006 10:00:46 AM

capital one doesnt hurt it, it just doesnt help as much as it should. and it was reported on all three last couple times i checked my credit.

8/23/2006 10:00:55 AM

Quote :

"The only one I have left in my arsenal is the Chase cash rewards plus card, and you can't even apply for that one anymore"

i applied for and received that one a month ago

8/23/2006 10:01:59 AM

Quote :

"You’ve probably heard about the Capital One lawsuits going on. Clark has talked about the system Capital One has to damage your credit. Well, now Capital One has stubbornly refused to modify its position. What happens is Capital One does not report the credit limit on your card. Why? It lowers your credit score and therefore destroys your credit image with other potential credit card companies. So, you’re more likely not to get approved for another card and will continue to use the Capital One card. By not reporting your limit, the credit bureaus guess your limit and that makes you very risky. Now a new lawsuit has been filed against the credit bureaus for reporting erroneous information on our reports. TransUnion, Equifax and Experian have some responsibility here, for sure. But it would be simple if Capital One just behaved itself. Clark has given Capital One the chance to come on air and talk about this, but they haven’t responded. So, you have to decide if you want to be their customer. If you’re currently a customer and you want to stay with them, you should charge a bunch of stuff to the card and pay it off. Then, moving forward, the credit bureaus will see and use that credit limit, sending your score back up. Clark will keep trying to come up with ways to manipulate the system, but for now that’s the only way you can turn the situation around."

8/23/2006 10:03:16 AM

Capital One DOES hurt your credit.


Your highest balance becomes the credit limit they report. So let's say your limit is $10,000. One month, you charge $1000. The following month you charge $600.

All of the sudden, it looks like you are using $600 of your available $1000. That's a huge red flag for anyone checking your credit report.

8/23/2006 10:04:58 AM

thats weird cause the CapOne card was the first I got when starting to rebuild my credit. I now have three other prime credit cards.

i pay off balances before the billing cycle ends though

[Edited on August 23, 2006 at 10:06 AM. Reason : .]

8/23/2006 10:05:53 AM

Capital One is NOT prime, no matter what they tell you.


Like Mr Grace quoted, your best move would be to charge a shitload to it one month + then pay it off.


^by that do you mean that your statement balances are always $0?

[Edited on August 23, 2006 at 10:07 AM. Reason : df]

8/23/2006 10:06:52 AM

yes, or close to it. and I know CapOne isnt prime, but that was the only company that would give me a card at the time.

8/23/2006 10:08:37 AM

Quote :

"Quote : "The only one I have left in my arsenal is the Chase cash rewards plus card, and you can't even apply for that one anymore" i applied for and received that one a month ago"

the one that gives 5%? Cuz that one has been pulled from their site. it's YMMV whether you can get someone to process it over the phone though.

8/23/2006 10:10:56 AM

^^ I wasn't trying to suggest anything or harp on you.

It's just that you said you now have 3 other prime cards, just making sure you weren't including Cap One in that group

8/23/2006 10:13:02 AM

well i did it online and it is sitting in my wallet

8/23/2006 10:13:40 AM

you didn't answer my question. it gives a permanent 5% on everyday purchases? not some limited 90 day promotional rate?

8/23/2006 10:14:16 AM

also a good idea to have more than one card

should you have an expensive purchase like a blown engine on your car or something that will put you over 50%+ of your credit limit you should split it over two cards so that you dont screw up your balance/available credit ratio

8/23/2006 10:16:24 AM

^excellent advice.


or get an AmeX. They started me with a $2000 credit line, and it was up to $24000 in less than 2 months.

8/23/2006 10:17:31 AM

Quote :

"you didn't answer my question. it gives a permanent 5% on everyday purchases? not some limited 90 day promotional rate?"

well i said i have the chase cash rewards plus, i figured you could figure the rest out on your own


but yes 5% on grocery, gas, drug, 1% on everything else

8/23/2006 10:18:55 AM

what about Discover cards? I've found one I can get a low 10.99% rate on, and 12-mo at 0% on purchases and balance transfer

I realize they're not as universally accepted as Visa/MC and even Amex, but for big purchases within the next year I think it'd be worth it

8/23/2006 10:19:52 AM

My roomate seems big on them, and he's a cheap nerd of sorts

8/23/2006 10:23:24 AM

I like the BP Card.

Make 1 purchase, get a $40 gift card.
Spend $1K on it within the first few monhts, get a $35 gift card.

For the first 60 days:
10% rebate on gas from BP
4% on travel and dining
2% on everything else

After that:
5% rebate on gas from BP
2% on travel and dining
1% on everything else


So $75 in free gas, plus fat rebates for the first 60 days, then decent rebates after that.

8/23/2006 10:23:35 AM

I have the Citi Platinum Dividends Plus card, and it's been pretty good in terms of cash back. I believe it's 5% on gas, groceries, and medicine, and 1% on everything else. Sometimes they'll raise that 1% to 2%, but I don't think they've done that since I got the card.

The thing that sucks is that you're limited to $300 in rewards per year, so once you get $300 cash back, it turns in to just a regular credit card.

To combat that, I just opened up another credit card identical to that, so when I max out my $300, I'll just start using the second card. I haven't yet spent enough to get $600 back.

8/23/2006 10:32:03 AM

^as someone said earlier... they are knocking it down to 2% instead of 5%

8/23/2006 10:36:13 AM

well that sucks

8/23/2006 10:39:31 AM

http://www.flyertalk.com/forum/showthread.php?t=457077&page=1&pp=15

just use that and be done with it

8/23/2006 10:43:08 AM

i am also considering which one to get right now. ive pretty much decided im going to get discover, maybe hess oil since thats where i get most of my gas.

8/23/2006 11:05:33 AM

the thing i like about discover is that they will always send me random offers: "get $30 in rewards credit with your next purchase!". so i buy a pack of gum and reap my rewards. I think it's because I don't usually use my Discover, and they're trying to get me to.

That BP card sounds pretty good. Might have to switch to that one when Chase inevitably shuts down the 5% train.

8/23/2006 12:31:08 PM

Quote :

"well i said i have the chase cash rewards plus, i figured you could figure the rest out on your own but yes 5% on grocery, gas, drug, 1% on everything else"

no need to get pissy, we're talking about credit cards here.....

FYI, there are different variations of that very card, and even more variations if you factor in promotions, etc. Hope I didn't inconvenience you too much.

8/23/2006 12:33:16 PM

Quote :

"bgmims All American 2462 Posts user info edit post block user Go to citicards.com I love my Dividend Rewards 5% cash back on gasoline and groceries 1% cash back on everything"

you really should read this thread

http://forums.slickdeals.net/showthread.php?sduid=24729&t=312987

8/23/2006 12:33:29 PM

or you could both read THIS thread, and realize this has already been covered.

8/23/2006 12:34:14 PM

american express blue gives you 5% back on everyday purchaces (gas, drug and grocery) IF and only if you spend more than i think 6250 or so a year on your card. If you put all your groceries on there and all your gas, I have a hard time thinking you won't hit that mark.


EDIT: 6500, even so.

[Edited on August 23, 2006 at 12:37 PM. Reason : ..]

8/23/2006 12:35:19 PM

problem with Amex Blue is that I have so many other specialized cards (one for pretty much every occasion), that I'm not totally sure I'd be able to charge that much to it w/o missing out on other rewards.

But yeah, it's a good "default" card if you're only gonna carry 2-3 cards

8/23/2006 12:36:52 PM

Two credit type questions for you guys:

1) how many credit cards do you have?
2) How many other open credit accounts do you have? (store credit, mortgage, car, line of credit etc)

8/23/2006 12:39:43 PM

1) about 12-15 open accounts
2) car loan, student loan, a couple store credit cards.

8/23/2006 12:41:29 PM