MilesBuzz! - What is the CC that gives you 5% cash on groceries & gas? Quick response needed.

I'm trying to think of this card and I don't really have time to search as I'm at work. But I was just telling my friend about the card that gives you 5% for gas, grocery and drugstore purchases, because right now she's only getting 1% cash back on her Discover card.

Is it a Chase card?

Thanks.

I'm trying to think of this card and I don't really have time to search as I'm at work. But I was just telling my friend about the card that gives you 5% for gas, grocery and drugstore purchases, because right now she's only getting 1% cash back on her Discover card.

Is it a Chase card?

Thanks.
citibank dividend platinum select

citibank dividend platinum select

Funny, because I have that one. :)

Funny, because I have that one. :)

Then you should know that the Citibank Dividend Platinum Select card has been offering 5% on groceries, gas, pharmacies for quite some time now. You may want to confirm that your account is getting this with Citibank.

If Citibank has a card like this, chances are good that Chase has a competing variant. Might not hurt to search their site...

I'm trying to think of this card and I don't really have time to search as I'm at work. But I was just telling my friend about the card that gives you 5% for gas, grocery and drugstore purchases, because right now she's only getting 1% cash back on her Discover card.

Is it a Chase card?

Thanks.

I thought Delta offered something similar with AMEX. Do/did they?


This is my 2,000th post! Yeah!!

I'm trying to think of this card and I don't really have time to search as I'm at work. But I was just telling my friend about the card that gives you 5% for gas, grocery and drugstore purchases, because right now she's only getting 1% cash back on her Discover card.

Is it a Chase card?

Thanks.

The GM card still yields 5% -- up to $500/year -- no frequent flyer miles, but if you live near DTW you need a car to get to the airport. <lol.>

Bob H

If Citibank has a card like this, chances are good that Chase has a competing variant. Might not hurt to search their site...

Chase does have a similar card with same payout. Don't know what it's called off the top of my head.

both citi and chase have cards. you should have no trouble finding them by going to the respective bank websites. chase also runs weekly ads in coupon section of most sunday newspapers.

the nice thing about the citi card is that you can also earn 3-5% cash back from a number of online merchants including gap, homedepot, etc. which do not count against the $300/year cashback limit. the citi card also comes with a one-year 0% balance transfer offer, though of course you wouldn't want to use the card for other purchases if you take that offer.

Chase does have a similar card with same payout. Don't know what it's called off the top of my head.

It's the Chase Rewards Plus Visa. Almost a duplicate of the Citi card, but with the enormous advantage of no annual rebate cap.

lex

I have an ATand T Universal Cash Rewards Card (thro Citi) that pays a 5% rebate on gas, groceries, and drug stores. It pays 1% rebate on all other purchases. On occassion, I have gotten 5% for automotive repairs performed and charged at a service (gas) station. It is no fee. At the time it was first offered there was also a 5% rebate on everything ("tuition" for example) for the first six months (I think) with a maximum rebate per year of $250 or $500. I was able to get the maximum in two consecutive years by paying tuition late in one calender year and early in the next.

Citi's version is here:

https://www.accountonline.com/ACQ/Chooser/LearnMore?siteId=CB&CARD_KEYS=4T4Z54C6-M

Chase's version is here:

http://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/card_acquisitions/unsolicited/page/PFSCreditCardDetails&sourcecode=5P76

I have the Citi version.

They are very similar: both offer 5% back on grocery store, gas station and drugstore purchases, and 1% back on all other purchases.

Citi has a $300 annual cash-back cap. I don't think Chase has a cap. Citi allows you to request a check online for any amount >$50 any time you accumulate more than $50. I'm not sure how Chase's mechanism works.

Citi also occasionally runs limited-time promos, like an extra 1% cash back on everything, or extending the 5% offer to other categories like home furnishings (Bed Bath & Beyond, Home Depot, etc.). Not sure if Chase offers these promos.

One other thing I like about Citi is their "Autopay" feature (you have to call and ask, but it's available on all Citi credit cards). I set it up so that they automatically take my full statement balance directly from my bank account on the payment due date each month. I never have to remember to pay my bill, I've never paid a dime in interest, and I always keep earning the float on the money in my bank account until the last possible day. Of course this requires that you have the discipline to always keep your bank balance higher than your credit card balance, but...

Citi's version is here:

https://www.accountonline.com/ACQ/Chooser/LearnMore?siteId=CB&CARD_KEYS=4T4Z54C6-M

Chase's version is here:

http://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/card_acquisitions/unsolicited/page/PFSCreditCardDetails&sourcecode=5P76

I have the Citi version.

They are very similar: both offer 5% back on grocery store, gas station and drugstore purchases, and 1% back on all other purchases.

Unless you're after miles rather than cashback, in which case they're very dissimilar:

The Citi version cannot be used for (real) miles.

The Chase version (although it's not clear from the link above) can be used for 4.77 UA miles per dollar spent on those three types of merchants, or 2.5 BA or CO miles per dollar spent on those three types of merchcants.

(Ie, with Chase you earn points that are equal to your % as stated above, but you can then choose instead of cash back to transfer 6000 points to 5000 UA miles, or 10000 points to 5000 CO or 5000 BA miles.)

Now, if you only use miles for cheap domestic award flights, that may not be as good a deal as the cashback. But if yo use them for foreign trips, especially upgrades or business (or first) class awards, then IF these carriers are of any use to you then miles on them may be worth much more than just cashback. (But you have to do your own math.)

I'm trying to think of this card and I don't really have time to search as I'm at work. But I was just telling my friend about the card that gives you 5% for gas, grocery and drugstore purchases, because right now she's only getting 1% cash back on her Discover card.

Is it a Chase card?

Thanks.

An alternative, with $100 as a first-use bonus, the Chase Cash Plus Rewards Master Card. Here's a link to a scan of the page from the Sunday coupons:

http://img82.imageshack.us/img82/1961/chaseapp2yy.jpg

Give promo code 94B to operator: 1-888-787-0329
$100 Cash Back check after first purchase (Offer expires April 30, 2006).

An alternative, with $100 as a first-use bonus, the Chase Cash Plus Rewards Master Card. Here's a link to a scan of the page from the Sunday coupons:

http://img82.imageshack.us/img82/1961/chaseapp2yy.jpg

Give promo code 94B to operator: 1-888-787-0329
$100 Cash Back check after first purchase (Offer expires April 30, 2006).

Weird. That newspaper ad is for the "Cash Plus Rewards MC" as opposed to the "Cash Rewards Plus Visa" they advertise on their website. Yet both seem to have very similar rewards programs. I wonder if the 30,000 point annual limit on the newspaper-advertised one applies to the online one...

Regardless, $100 cash back bonus + 0% on purchases for 12mo is a great deal.

sdsearch, you got me excited with your description of the mileage options with the Chase Rewards Plus Visa but then I realized your math (or your description) was in error. Actually, rather than "4.77 UA miles per dollar spent" it is 5 UA miles for every $6 spent and rather than "2.5 BA/CO miles per dollar spent" it is 1 mile for every $2 spent. Quite a difference. Most affinity cards will give you a 1-1 exchange on miles so the Chase card is actually worse than most in terms of "real" miles to be derived.

sdsearch, you got me excited with your description of the mileage options with the Chase Rewards Plus Visa but then I realized your math (or your description) was in error. Actually, rather than "4.77 UA miles per dollar spent" it is 5 UA miles for every $6 spent and rather than "2.5 BA/CO miles per dollar spent" it is 1 mile for every $2 spent. Quite a difference. Most affinity cards will give you a 1-1 exchange on miles so the Chase card is actually worse than most in terms of "real" miles to be derived.

sdsearch's math is actually close if you use the Chase card exclusively at grocery stores/drugstores/gas stations. You get 5 points for every dollar you spend at those places. If 6000 points gets you 5000 UA miles, you are getting 5000 UA miles for spending $1200, or 4.167 miles per dollar spent. If 10000 points gets you 5000 BA or CO miles, you are getting 5000 BA or CO miles for spending $2000, or 2.5 miles per dollar spent.

But because you have a choice of redeeming the points for cash at 100 points for $1, you can also argue that the UA miles are costing you 1.2 cents/mile, and the BA/CO miles are costing you 2.0 cents/mile, which is probably only worth it if you really need top off your mileage account for an award.

Also, keep in mind that the card is limited to earning 30,000 points in a year, so the most miles you could possibly get out of it would be 25,000 UA miles. You might be able to open multiple accounts, though, if you spend more than $6000 a year at grocery stores/drugstores/gas stations.

I am considering getting the Citi Card or something similar. Also found these two offers that seem to have about the same benefits

DISCOVER PLATINUM GAS CARD
https://discovercardapplication.com/default.aspx?cid=53251&affid=920863


AAA PLATINUM PLUS
https://wwwn.applyonlinenow.com/USCCapp/Ctl/entry?sc=L2R9
Not sure if either of these have any more/less perks.

Thanks, themicah, for correcting my erroneous correction of sdsearch's math. Just one more reminder why I scored so poorly on the math sections of all those tests. :o So the Chase card does have some appeal in terms of mileage value. themicah mentioned a 30K annual cap with the Chase card but lexman mentioned that there was "no annual rebate cap." I could find no language at the link supporting either one of these conditions. Does anyone know for sure whether or not there is an annual limit on rebates, points and/or miles that can be accrued with the Chase Rewards Plus card?

Thanks, themicah, for correcting my erroneous correction of sdsearch's math. Just one more reminder why I scored so poorly on the math sections of all those tests. :o So the Chase card does have some appeal in terms of mileage value. themicah mentioned a 30K annual cap with the Chase card but lexman mentioned that there was "no annual rebate cap." I could find no language at the link supporting either one of these conditions. Does anyone know for sure whether or not there is an annual limit on rebates, points and/or miles that can be accrued with the Chase Rewards Plus card?

In the link in Richn's post (#14 in this thread), the fine print says there is a 30k annual point limit. That's for the Chase Cash Plus Rewards card, though, not the Chase Cash Rewards Plus card offered directly through their website. Not sure if the latter has a limit or not (there are no details about the program available through their website).

DISCOVER PLATINUM GAS CARD
https://discovercardapplication.com/default.aspx?cid=53251&affid=920863


I think the 5% gas rebate on the Discover card is limited to the first $1200 in gas purchases in a year. At $3 per gallon, thats less than 8 gallons per week, or 12,000 miles driven in a year (at 30 mpg). That would only cover a fraction of my driving. Above $1200 per year, the gas rebate is 1% or less.

I have an ATand T Universal Cash Rewards Card (thro Citi) that pays a 5% rebate on gas, groceries, and drug stores. It pays 1% rebate on all other purchases. On occassion, I have gotten 5% for automotive repairs performed and charged at a service (gas) station. It is no fee. At the time it was first offered there was also a 5% rebate on everything ("tuition" for example) for the first six months (I think) with a maximum rebate per year of $250 or $500. I was able to get the maximum in two consecutive years by paying tuition late in one calender year and early in the next.

Unfortunately I just received a letter that the ATT Universal Cash Rewards Card (thro Citi) will be withdrawing from the market as of June 30, 2006. Looks like I will have to look around for a different card that offers 5% rebate on gas, groceries, and drug store purchases.

Unfortunately I just received a letter that the ATT Universal Cash Rewards Card (thro Citi) will be withdrawing from the market as of June 30, 2006. Looks like I will have to look around for a different card that offers 5% rebate on gas, groceries, and drug store purchases.

That's the bad news of the day. :td:

If anybody wants to sign up for the Citi 5% card, please consider PMing me for a referral. I don't think the referral gets you anything different from signing up directly, but it'll earn me a few extra bucks in cash back.

I jist got a mailed. pre-approved offer from Advanta Bank in Salt Lake City. The same offer, obviously not pre-approved is at https://www.advanta.com/index.cfm?fuseaction=apply.card_features_sem&orgcode=SEM005


The offer is for 5% back on gas purchases, office supplies, computer equipment with a max of $25/month, 1% on everything else.

Is these a good deal and one worth considering?

I jist got a mailed. pre-approved offer from Advanta Bank in Salt Lake City. The same offer, obviously not pre-approved is at https://www.advanta.com/index.cfm?fuseaction=apply.card_features_sem&orgcode=SEM005


The offer is for 5% back on gas purchases, office supplies, computer equipment with a max of $25/month, 1% on everything else.

Is these a good deal and one worth considering?

It's a good deal, particularly as the 5% categories of office supplies, utilities, computer equipment, cell phones and Internet services aren't covered by othe other major 5%-off cards (Citi, Chase, Amex). Therefore I think it would make a good complement to those. But the $25/month limit on cash back makes some of those categories (particularly computer equipment) a lot harder to exploit. When's the last time you bought a $500 computer?

Citi's version is here:

https://www.accountonline.com/ACQ/Chooser/LearnMore?siteId=CB&CARD_KEYS=4T4Z54C6-M

Chase's version is here:

http://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/card_acquisitions/unsolicited/page/PFSCreditCardDetails&sourcecode=5P76

I have the Citi version.

They are very similar: both offer 5% back on grocery store, gas station and drugstore purchases, and 1% back on all other purchases.

Citi has a $300 annual cash-back cap. I don't think Chase has a cap. Citi allows you to request a check online for any amount >$50 any time you accumulate more than $50. I'm not sure how Chase's mechanism works.

Citi also occasionally runs limited-time promos, like an extra 1% cash back on everything, or extending the 5% offer to other categories like home furnishings (Bed Bath & Beyond, Home Depot, etc.). Not sure if Chase offers these promos.

One other thing I like about Citi is their "Autopay" feature (you have to call and ask, but it's available on all Citi credit cards). I set it up so that they automatically take my full statement balance directly from my bank account on the payment due date each month. I never have to remember to pay my bill, I've never paid a dime in interest, and I always keep earning the float on the money in my bank account until the last possible day. Of course this requires that you have the discipline to always keep your bank balance higher than your credit card balance, but...
What is your experience with the classification of grocery stores/drug stores, etc. for the purposes of receiving 5%? Question is specifically related to Wal-Mart Superstores (one of only two grocery options in my small town.) Would be worth it if they would classify as grocery, but think they probably don't...

What is your experience with the classification of grocery stores/drug stores, etc. for the purposes of receiving 5%? Question is specifically related to Wal-Mart Superstores (one of only two grocery options in my small town.) Would be worth it if they would classify as grocery, but think they probably don't...

I'm 99% sure WalMart doesn't count as a grocery store. Generally only "standalone" grocery stores and supermarkets count.

Also, convenience stores are their own category, which don't count. At least the standalone convenience stores and bodegas that are common in urban areas like NYC don't count for 5% with Citi. In suburban and rural areas, where many convenience stores are attached to gas stations, they might count as gas stations. And I'm not sure if Chase/Amex count things exactly the same way that Citi does.

If you have an existing Citi card, you can see the category for your past purchases by logging into citicards.com, viewing your past statements, and clicking the price in the "amount" column. (note this only works in full statement view--unbilled activity won't have that information)

I'm 99% sure WalMart doesn't count as a grocery store. Generally only "standalone" grocery stores and supermarkets count.

Fred Myer, which is half grocery, half department store, was treated by Citi as grocery.

If anybody wants to sign up for the Citi 5% card, please consider PMing me for a referral. I don't think the referral gets you anything different from signing up directly, but it'll earn me a few extra bucks in cash back.

Ditto. I have a few extra referrals myself. :cool:

Anyone know of a second offering of $100 first-use bonus for the Chase Cash Plus Rewards Master Card?