erlftex
Oct 20, 09, 5:37 pm
So, I just saw an ad for the two brand new Arco Debit cards. As a veteran user of the Costco Amex, Fidelity 1.5% and 2% cards, and Starwood cards, I like to think I know what I am reading about. As an LA resident, I never go to Arco since they are sketchy and don't take credit cards and charge $0.45 to use a debit card. As a heavy CC user ($200k+ for work), I am skeptical about debit cards and their consumer protections and also blow through minimum spends in January. But, this is crazy-- has anyone used this? Can anyone verify it? (FYI with both these cards, no debit fees at Arco)
Regular card: (up to 3.5% back)
Start by earning 1 point per dollar on PIN purchases and 2 points per dollar for signature purchases.
Once you reach 5,000 points, for signature purchases you'll earn 2.5 points per dollar; at 20,000 points you'll earn 3 points per dollar, and after reaching 40,000 points you'll earn 3.5 points per dollar on all of your signature purchases.
As a special bonus, we'll kick start your earnings with 1,500 bonus points when you sign for your first purchase.
$5.00 will be added right onto your card every time you earn 5,000 points - no waiting for a check, gift card or coupon.
Preferred Card ($25 annual fee, up to 7% back)
Start by earning 2 points per dollar for PIN purchases and 4 points per dollar for signature purchases.
Once you reach 5,000 points, for signature purchases you'll earn 5 points per dollar; at 20,000 points you'll earn 6 points per dollar, and after reaching 40,000 points you'll earn 7 points per dollar on all of your signature purchases.
As a special bonus, we'll kick start your earnings with 3,000 bonus points when you sign for your first purchase.
$5.00 will be added right onto your card every time you earn 5,000 points - no waiting for a check, gift card or coupon.
https://www.hrsaccount.com/optipay/ecare?ev_Home=&org=784
Regular card: (up to 3.5% back)
Start by earning 1 point per dollar on PIN purchases and 2 points per dollar for signature purchases.
Once you reach 5,000 points, for signature purchases you'll earn 2.5 points per dollar; at 20,000 points you'll earn 3 points per dollar, and after reaching 40,000 points you'll earn 3.5 points per dollar on all of your signature purchases.
As a special bonus, we'll kick start your earnings with 1,500 bonus points when you sign for your first purchase.
$5.00 will be added right onto your card every time you earn 5,000 points - no waiting for a check, gift card or coupon.
Preferred Card ($25 annual fee, up to 7% back)
Start by earning 2 points per dollar for PIN purchases and 4 points per dollar for signature purchases.
Once you reach 5,000 points, for signature purchases you'll earn 5 points per dollar; at 20,000 points you'll earn 6 points per dollar, and after reaching 40,000 points you'll earn 7 points per dollar on all of your signature purchases.
As a special bonus, we'll kick start your earnings with 3,000 bonus points when you sign for your first purchase.
$5.00 will be added right onto your card every time you earn 5,000 points - no waiting for a check, gift card or coupon.
https://www.hrsaccount.com/optipay/ecare?ev_Home=&org=784