Last edit by: yugi
There are no existing application links from AT&T or Citi
DEAD as of 7/19/16:
Extended Warranty
This card includes 2 years of extended warranty, up to 7 years total.
Coverage does not apply to the following items:
■ Boats, cars, aircraft or any other motorized land, air or water
vehicles and their original equipment. Tires are not covered.
■ Services (such as product installation, repairs, maintenance or
diagnostics) unless covered under the manufacturer’s warranty.
■ Used, antique or pre-owned items.
■ Items purchased for resale, professional or commercial use.
■ Land or buildings; housing properties.
■ Plants and live animals.
■ Items that do not come with a manufacturer’s warranty.
Coverage doesn’t apply under these circumstances:
■ You fail to care for or service the item appropriately as required
by the manufacturer.
■ The item has a product defect, recall, or experiences normal wear
and tear where no failure has occurred.
■ The item is damaged because of an act of God, such as a flood,
hurricane, lightning, wind or earthquake.
Which websites qualify for 3X points?
3 ThankYou Points for each $1 spent on purchases made at eligible retail (including department store websites, specialty store websites, warehouse store websites and boutique websites) and travel websites (including online travel agencies, and hotel and airline websites).
3 ThankYou Points for each $1 spent on products and services purchased directly from AT&T, including payment of monthly phone, cable or internet bills.
You'll earn an Anniversary Bonus of 10,000 ThankYou Points after you spend $10,000 in purchases in the prior cardmembership year.
Source: https://www.cardbenefits.citi.com/
Special note about eBay and PayPal - varies widely as to whether the bonus points are awarded. It seems to vary depending on merchant with no real discernible pattern.
(Ref, Ref, Ref, Ref, Ref, Ref, Ref, Ref, Ref)
Certain Non-Qualifying Purchases. You won’t earn 3X Points for purchases of and payments for medical services, insurance, taxes and government services, real estate, real estate rentals, purchases or reloading of prepaid or gift cards, education, charities and utilities.
You won’t earn 3X Points for purchases from independent wireless dealers, non-AT&T-owned stores, or AT&T resellers unless you are paying for an AT&T service, such as your phone, cable or internet.
(Effective 9/22/2019)
Source: https://www.cardbenefits.citi.com/
All payments coding as online are hit and miss. Sometimes it codes as online, sometimes it doesn't. YMMV.
Alphabetical list of websites which qualify for 2 bonus points per dollar (3 points total):
1-800-Flowers @ 1800Flowers.com (Ref)
1and1.com (Direct entry)
6pm.com (Ref, Ref, Ref)
888lots.com (Merchandise - Nondurable Goods, Not Elsewhere Classified)
888lots.com (Curve, Merchandise - Misc General Merchandise Not Classified)
ABT.com (PayPal) (Ref)
ABT.com (direct entry, Merchandise - Electronic Stores)
Adidas.com (Direct entry) (Ref)
Aerostich.com (Vehicle Services - Motorcycle Dealer)
Airbnb.com (Direct entry)
Airportparkingreservations.com
Alamoammo.com (Merchandise - Miscellaneous / Specialty Retail Stores)
Aliexpress.com (YMMV, Merchandise - Discount Store)
AllenEdmonds.com
Amazon Music (Merchandise - Digital Goods- Multi-category)
Amazon Prime Now @ primenow.amazon.com (Ref, Ref)
Amazon Prime Video (Ref, Ref)
Amazon Digital
Amazon Seller Fees (Merchandise - Book Stores)
Amazon Restaurants @ amazon.com
Amazon.com (Direct entry) (Ref, Ref, Ref, Ref, Ref, Ref, Ref, Ref, Ref)
American Airlines @ AA.com
American Eagle @ AE.com (Ref)
Amsoil.com (Direct entry) (Ref)
Apple iTunes (Ref, Ref, Ref)
AT&T @ att.com (Direct entry) (Ref, Ref)
B&H Photo Video @ bhphotovideo.com (PayPal) (Ref)
Barneys.com (Ref)
BayAreaFasTrak.com (Ref, Ref)
Beauty.com (Direct entry) (Ref)
Bed Bath & Beyond @ bedbathandbeyond.com (Ref, Ref)
Best Buy @ BestBuy.com (Direct entry) (Ref, Ref)
Biglots.com (Merchandise - Discount Store, YMMV, works most of the time)
BJ's @ bjs.com (Ref)
BJ's membership @ bjs.com (Direct entry)
Blizzard Entertainment
Bloomingdale's @ Bloomingdales.com (Ref)
Blue Nile
BodyGloveHawaii.com
Bonanza.com (Direct entry)
Bovada.lv (Charged in Yuans, subject to FTF)
BP (via BPme app, Vehicle Services - Automated Gas Dispenser)
Bravo @ app (Ref)
Brooks Sports @ BrooksRunning.com (Direct entry) (Ref)
BrooksBrothers.com (Ref)
Bulkea.com (Ref)
Bulq.com (Direct entry)
California E-File Court Filings
CallingMart.com (Direct entry)
CardCash.com (Direct entry) (Ref)
CardCookie.com (Ref)
Carters.com
CashStar/Best Buy @ bestbuy.cashstar.com (Ref)
CashStar/Brooks Brothers @ brooksbrothers.cashstar.com (Ref)
CashStar/Dunkin' Donuts @ dunkindonuts.cashstar.com (Ref)
CashStar/Hotels.com @ hotels.cashstar.com (Ref)
CashStar/Panera Bread @ panerabread.cashstar.com (Ref)
cdkeys.com (Ref)
Centerfireguns.com
Charles Tyrwhitt @ CTShirts.com (Ref)
Childrens Place website
Chewy.com (Ref)
Chipolo.net (Ref)
Costco.com (Ref, Ref, Ref, Ref)
CostPlusWorldMarket.com (Ref) YMMV
Crate & Barrel @ CrateAndBarrel.com (Ref)
delivery.com @ website, app (Direct entry, Android Pay)
Dell.com (Direct entry) (Ref)
DennisKirk.com (Merchandise - Direct Marketing - Catalog )
DirecTV Now @ directvnow.com (Ref)
Divers-Supply.com (PayPal)
Drugstore.com (Ref)
Dunkin' reload @ app (Ref)
E-ZPass MA @ ezdrivema.com (Direct entry)
eBags.com (Direct entry, PayPal) (Ref, Ref)
eBay/CardCash (PayPal)
eBay/Cardency (PayPal) (Ref)
eBay regular purchase (direct entry, Merchandise - Department Store )
efurb.com
eGifter.com (PayPal) (Ref)
EquityApartments.com (Ref)
eSaving.com (PayPal) (Ref, Ref)
EssexApartmentHomes.com
Etsy (Ref)
ExxonMobil via app and Google Pay (Vehicle Services - Automated Gas Dispenser)
FinishLine.com
Firearmsdepot.com (Merchandise - Sporting Goods Stores)
Fluz App (direct entry, may be dependent on MCC coding)
Fluz Portal (direct entry, may be dependent on MCC coding)
FoundersCard.com (Ref)
Francesca's @ Francescas.com (Ref)
GameStop.com (Direct entry) (Ref, Ref)
Gap.com (Ref)
Garden of Life @ GardenOfLife.com (Ref)
Garagiste - email wine merchant
GearBest.com (WorldPay)
GiftCard Mart @ GiftCardMart.com (Ref)
Giftcard Zen (Direct entry) (Ref)
GiftCardBin.com (Direct entry)
GiftCardRescue (Direct entry)
Goedekers.com (direct entry)
GoodEggs.com
Google Express @ google.com/express/ (Ref)
Google Music @ music.google.com (Ref)
Google Play @ app (Ref)
Google Store @ store.google.com (Ref)
GouletPens.com
GrabAGun.com (Direct entry)
Groupon (Direct entry) (Ref, Ref, YMMV ref, Ref)
GrubHub.com (Direct entry)
Guess.com (Ref)
Gunpartscorp.com (Direct entry)
GunsInc.com (Direct entry)
Gyft.com (PayPal) (Ref)
Gymboree.com (Direct entry)
HaloCigs.com (Ref)
Harry & David @ harryanddavid.com
Harrys.com
Heatonist.com (Direct entry)
HomeDepot.com (Direct entry) (Ref)
HoodLamb.com (Direct entry)
HouseDoctorInspection.com
HP.com (Direct entry) (Ref)
HTC.com (Ref)
iHerb.com (Merchandise - Misc Food Store, Specialty, Convenience)
IHG rewards club (cash + points booking)
Imagetoglass.com
Impactguns.com (direct entry)
InkPixi.com (Ref)
Instacart.com (Ref)
Intuit TurboTax (state tax e-file fee when using desktop app)
iRobot.com
J. C. Penney @ JCPenney.com (Ref)
Jared.com (Ref)
JCrew.com (Ref)
Jet.com
Jimmy Johns @ app
JINsoon.com (Ref)
JoomUnited.com (Ref)
K&L Wine Merchants @ KLWines.com (Ref) this is a little buggy....90% of the time it works but they have multiple sales types (auctions, different store, warehouse shipment pts etc)
Kate Spade @ KateSpade.com (Ref)
Kickfurther.com (Ref)
Kiehl's @ Kiehls.com (Direct entry) (Ref)
KinsaHealth.com (Direct entry)
Kohl's @ Kohls.com (Direct entry) (Ref, Ref)
LastCall.com (Ref)
LeisurePro.com (PayPal)
Lenovo @ shop.lenovo.com (PayPal) (Ref)
LillyPulitzer.com (Ref)
LimeBike @ app (Direct entry)
LivingSocial.com (Ref)
Lord & Taylor @ lordandtaylor.com
Lowe's @ lowes.com
Lucky Brand @ LuckyBrand.com (Ref)
Lyft @ app (Direct entry)
Macy's @ macys.com (Direct entry) (Ref)
MakeUseOf Deals @ deals.makeuseof.com (Direct entry)
MARTA (ATL, online Breeze card reload)
Massdrop.com (Direct entry)
Mattel.com (Ref)
MicrosoftStore.com (Direct entry; may not work as of 2018, see below)
MidwayUSA.com
MileagePlus X/All spend @ app (Ref) YMMV. Works most of the time.
Misfit.com (Direct entry)
Misook.com
MLBShop.com @ shop.mlb.com (Direct entry)
Moosejaw.com (Ref)
Munchery.com (Ref)
Namecheap.com (Direct entry)
NameSilo.com (PayPal)
Natchezss.com (Merchandise - Sporting Goods Stores )
NatureBox.com (Ref)
NeimanMarcus.com (PayPal) (Ref)
Nespresso.com (Ref)
Nest.com (Ref)
Newegg.com (Direct entry) (Ref, Ref)
NextScripts.com (Ref)
NordstromRack.com (Direct Entry)
NFL.com (Ref)
Office Depot @ OfficeDepot.com (Direct entry)
OMBWarehouse.com (Direct entry)
Orbitz.com (Ref)
PalmettoStateArmory.com (Merchandise - Miscellaneous / Specialty Retail Stores)
PartsTree.com (Direct entry)
Patreon.com (Direct entry, Merchandise - Digital Goods- Audiovisual Media)
PatriotSoftware.com (Services - Computer / Data Processing Services, YMMV)
Pennsylvania Department of Transportation (PennDOT) @ www.dot*.state.pa.us (Direct entry)
PetSmart.com (Ref)
Phlur.com (Ref)
Picaboo.com
Porkbun.com (Direct entry)
Pottery Barn Teen @ PBTeen.com (Ref)
Priceline (Ref)
Princess Cruises @ princess.com
PrinterPix.com (Ref)
Promethease.com (Direct entry)
Publix (in-person, Curve, Merchandise - Grocery Store, Supermarket )
RadPad @ onradpad.com, app (Direct entry, Android Pay) (Ref, Ref, Ref)
Ralph Lauren @ RalphLauren.com (PayPal) (Ref)
Redriverreloading.com (Other Travel - Bridge And Road Fees, Tolls)
REI.com (Ref)
RentPayment.com (Ref)
Road Runner Sports @ RoadRunnerSports.com (Direct entry) (Ref)
RockAuto.com (Ref)
RockyMountainATVMC.com (Vehicle Services - Motorcycle Dealer)
Rover.com (Ref)
RunSignUp.com (Ref)
Saks Fifth Avenue @ Saks.com, SaksFifthAvenue.com (Ref)
SamsClub.com (Direct entry)
Samsung Pay/Gift cards @ app (YMMV ref, Ref, Ref)
SCAquarium.org (Direct Entry)
ScoreBig.com (Ref)
Sears.com (Direct entry)
SearsPartsDirect.com (Direct entry)
Seashells @ app (Ref, Ref)
Sephora.com (Ref)
ShirtChamp.com (Direct entry)
ShoeBuy.com (Ref)
Shutterfly.com
Sierra Trading Post @ SierraTradingPost.com (Ref)
SimonMall.com (Ref)
Singapore Air (Ref)
Snow.com (Ref)
Softcard Serve loads (Ref)
Soylent.com (Direct entry)
Sportsmanssupplyco.com (via Gunbroker.com, Merchandise - Miscellaneous / Specialty Retail Stores)
Spotify (Ref)
Square (Food truck invoice paid online)
Sportsmansguide.com
Staples.com (Ref, Ref)
Starbucks reload (Ref)
SteveMadden.com (Ref)
StubHub.com
Sunpass.com (Other Travel - Bridge And Road Fees, Tolls)
SurLaTable.com
Swappable.com (Ref)
T-Mobile.com
Target.com (Direct entry, PayPal) (Ref) (Merchandise - Discount Store)
Tello.com (Direct entry)
Tennis Warehouse @ Tennis-Warehouse.com (Ref)
Texture @ app (Ref)
ThankYou Points Trip Portal (if you use TYP to book a flight and have to pay part of the airfare with cash)
The Gift Card Shop @ TheGiftCardShop.com (Ref)
TheLostSea.com
TheraBreath.com (PayPal)
TheStylishFox.com
Thrive Market @ ThriveMarket.com (Ref)
Ticketmaster.com (Ref)
TickPick.com (Ref)
Ting.com (Direct entry)
Toppik.com (Direct entry)
Tractor Supply @ TractorSupply.com (Ref)
TryTheWorld.com
U.S. Travel Association (USTA) Daily Getaways @ dailygetaways.ustravel.org (Ref)
Under Armour @ UnderArmour.com (Ref)
US Outdoor Store @ usoutdoor.com (Ref)
Vacasa.com
VentraChicago.com loads
Venus.com (Ref)
Viator.com (Direct entry) (Ref)
Victoria's Secret @ VictoriasSecret.com (Ref, Ref)
VirginMobileUSA.com (Direct entry)
VisionDirect.com (PayPal) (Ref)
Vitacost.com (Ref)
VitaminShoppe.com (Ref)
Vite Ramen @ checkout.rechargeapps.com (Direct entry)
Walmart @ B&M (Walmart Pay) (YMMV ref, Ref)
Walmart.com (Direct entry) (Ref, Ref) (Merchandise - Discount Store)
Waste Management @ wm.com (Ref)
Wayfair.com
West Elm @ WestElm.com (Ref)
WildEdgeInc.com (Direct entry)
WineBid.com (Ref)
Wish.com (Department stores)
WordPress.com/WpChrg.com (Direct entry)
Yoycart.com (Direct entry)
Zazzle.com (Direct entry)
Zulily.com (Merchandise - Mens / Ladies Clothing Store)
Alphabetical list of websites which DO NOT qualify for 2 bonus points per dollar (3 points total):
AARP.org subscription (direct entry)
Adorama.com (Direct entry) (Ref)
Advanceautoparts.com
AdvancedMedicalCertification.com
AdvancedTactical.com (Curve, Services - Professional Services, Not Elsewhere Cla)
AGI Renters/Condo Insurance (as of 2/2018)
AlaskaAir.com (Ref)
Aliexpress.com (direct entry, Merchandise - Discount Store)
Aliexpress.com (Paypal, Services - Computer Network/info Srvs)
Allstate.com (Ref)
Amazon Prime subscription (Ref, Ref, Ref)
American Society for Clinical Pathology (ASCP) @ ASCP.org (Direct entry)
Amex Gift Cards @ americanexpress.com/gift-cards/ (Ref)
Apple Music subscription (Ref)
AragLegal.com
Audible.com (Ref)
AwardWallet.com (Ref)
AXS.com (Ref)
B&H Photo Video @ bhphotovideo.com (Direct entry) (Ref)
BayAreaFasTrak.com recurring (Ref)
BCWSA @ schedulepayment.com/BCWSA/ (Direct entry)
Bed Bath & Beyond
Birchbox.com (Direct entry) (Ref)
BJ's Checks @ bjschecks.com (Ref)
Bluehost.com (Direct entry) (Ref)
Brownells.com (Direct Entry)
CafePress.com (Ref)
California DMV (Ref)
CardCash.com (PayPal)
Cardpool.com (Direct entry) (Ref)
CBS All Access @ cbs.com/all-access (Ref)
Certified-Mail-Envelopes.com
ClipperCard.com (Ref)
Coinbase (Direct entry)
CollegeBoard.org (Ref)
Comcast (Ref)
Cox cable and Internet subscription (Ref)
DirecTV.com (Ref)
DonaldJTrump.com
Duluth Trading Company @ DuluthTrading.com (Ref)
Dunkin' Donuts reload (Ref)
eBags.com (Direct entry) (Ref, Ref)
eBay seller fees (Direct entry, PayPal) (Ref, Ref)
eBay shipping (PayPal)
eBay/GiftCardMall (Direct entry) (Ref)
eBay/National Gift Card (PayPal) (Ref)
eBay/PayPal Digital Gifts (PayPal) (Ref)
eBay/SVM Gift Cards (PayPal) (Ref, Ref)
eGifter.com (Ref, Ref)
Excellus BlueCross BlueShield @ ExcellusBcBs.com (Ref)
Experian.com (Direct entry)
Expertflyer.com (membership)
Farmers.com (Direct entry)
FedEx.com
Fernbankmuseum.org (Curve, Organizations - Charitable/social Service Organizations)
Fluz App (direct entry, may be dependent on MCC coding)
FreedomPop.com (Direct entry)
GEICO.com (Ref)
Gift Card Mall @ GiftCardMall.com (Direct entry) (Ref, Ref)
Gift Card Mall/Kroger @ kroger.giftcardmall.com (Direct entry) (Ref)
Gift of College @ GiftOfCollege.com (Ref)
GiftCards.com (Ref, Ref, Ref) (Some success calling in)
GiftCardSpread.com (Ref, Ref)
Google Cloud/G Suite @ admin.google.com (Direct entry)
Google Drive storage (Ref)
Google Fi device purchase @ fi.google.com (Direct entry)
Google Fi recurring monthly service (Ref)
Grand Teton Lodge Company @ gtlc.com (Awarded after calling Citi)
GunBroker.com (Account verification)
Gyft.com (Direct entry) (Ref)
H2OWirelessNow.com
Happy Hollow Park & Zoo @ hhpz.org
HawaiianAirlines.com
Honeyfund.com (Ref)
Hulu (Ref)
IncFile.com
Intuit tax preparer bill
iTechDeals.com
K12PaymentCenter.com (Direct, Organizations - Elementary / Secondary Schools)
Kiva.org
Knox County Schools
Kumon.com (Organizations - Misc Schools / Educational Services)
LandsEnd.com (Ref)
Lenovo @ shop.lenovo.com (Direct entry) (Ref)
LivingSpaces.com (Ref)
LumberLiquidators.com
Meh.com (Ref)
Metro State University (MSU) Denver @ unisainc.com (Ref)
Metromile.com Insurance
Microsoft.com (Office 365 license, July 2018)
Middletonplace.com
MyGiftCardsPlus.com (Ref)
Nationwide Buxx (NW Buxx) loads
Netflix (Ref, Ref)
New York DMV @ dmv.ny.gov (Ref)
Nike.com (Ref)
Notre Dame Bookstore @ eFollett.com, bkstr.com (Direct entry) (Ref)
The New York Times digital subscription @ NYTimes.com
OfficialPayments.com (CA FTB 540-ES)
Optimum cable subscription (Ref)
Outlook Printing Solutions/Philly Pretzel Factory gift cards @ shop.phillypretzelfactory.com (Direct entry)
Papa John's Pizza @ papajohns.com (Visa Checkout)
Pay1040.com
PayPal/P2P (Direct entry) (Ref)
PayPal/USPS shipping @ paypal.com/shipnow (PayPal)
Partsfish.com
Peoplefinders.com (Merchandise - Direct Marketing-continuity Subscription)
PirateShip.com (direct entry)
Plastiq cars and other vehicles/Toyota Financial (Ref), Volkswagen Credit (Ref)
Plastiq IRS federal taxes (YMMV ref, Ref)
Plastiq mortgage (Ref)
Plastiq rent (Ref, Ref)
Plastiq utilities (Ref, Ref)
Plastiq/Navient (Ref)
Points.com (Ref)
Proactiv.com (Ref)
Progressive.com (PayPal) (Ref)
PumpItUpParty.com
Raise.com (Direct entry) (Ref, YMMV ref)
Rakuten.com
Rakuten Gift Card Shop @https://www.rakuten.com/gift-cards (Miscellaneous - Poi Funding Transactions , processed by Cash Star)
RingPlus.net (Direct entry)
Rodan + Fields @ RodanAndFields.com (Direct entry) (Ref)
RoomiPay (Ref)
Rottweilerperformance.com
Royaltigerimports.com (Sporting goods stores)
Samsung.com (direct entry) coded as Services - Computer Network/info Srvs
Santa Clara County Department of Revenue @ sccgov.org
SaveYa.com (Direct entry) (Ref)
Scholastic.com
Seashells @ shopseashells.com (Ref, Ref)
Seattle meter parking (Ref)
Shop.com (Direct entry) (Ref)
Simon.com/volume
Sling TV @ sling.com (Ref)
Southwest Airlines @ southwest.com (Ref)
Square Cash @ app (Direct entry) (Ref, Ref, Ref)
Starbucks.com egift cards (Direct entry) (Ref)
Starwood points @ storefront.points.com (Ref)
Stein Your Florist @ SteinYourFlorist.com (Direct entry)
Stylenanda (PayPal) (Ref)
Symantec/Norton
TheraBreath.com (Direct entry)
Thomson Reuters Westlaw @ ThomsonReuters.com (Ref)
Time Warner Cable (Ref)
Uhaul.com (Auto Rental - Truck / Utility Trailer Rental)
UPS.com (Paypal)
U.S. Mint @ USMint.gov (Ref)
US Buxx loads (Ref)
USPS.com (Direct entry) (Ref)
Vacationsmadeeasy.com
Venmo (Direct entry) (Ref)
Vivint.com
Vudu.com (Direct entry)
Walmart @ B&M (Walmart Pay) (Ref)
Waterpik Store @ waterpik-store.com (PayPal)
White Mountain Puzzles @ WhiteMountainPuzzles.com (Ref)
Woot.com (Amazon Pay) (Ref)
Xero.com (Ref)
Zappos.com (Ref, Ref)
Citi AT&T Access More card (Discontinued)
#751
Join Date: Jan 2015
Posts: 1,112
We assume that it's exactly $10 000 in spend on rent through RadPad with a RadPad fee of 1.99%.
Costs:
$350 Prestige annual fee
$95 Access More annual fee
1.99% RadPad fee = $199
Benefits:
$250 annual airline credit
Points from $10 000 + 1.99% fee = 10 199 points
Points from anniversary bonus for spending $10 000 = 10 000 points
Total points: 20 199
Total point value at a rate of 1.6 cents per point: $323.184
Point value + airline credit = $573.184
Net cost:
Point value + airline credit - Prestige annual fee - Access more annual fee - 1.99% RadPad fee
$573.184 - $350 - $95 - $199 = - $70.82
That's negative $70.82, a net loss.
Contrast using a straight 2% MasterCard with no annual fee. $10 000 * 1.0199 = $10 199. $10 199 * 0.02 = $203.98. $203.98 - $199 = $4.98.
That's a net gain of $4.98 versus a net loss of $70.82.
None of this takes into account the signup bonuses, which are reason enough to get the cards.
Admittedly, my math may be wrong. But that's what I got and how I got my numbers.
#752
Join Date: Dec 2015
Posts: 530
And your math is wrong and made out to be far more complicated then it really should be.
You really don't need to run numbers to figure out if the combo is profitable or not. For instance,
If you use DC you make a net profit of 0.01%. In other words, you'll make $1 for every $10k spend.
Does Access earn you More (pun intended) than DC? Yes. So, is it going to be profitable?
Does AT&T+Prestige combo earn you more to a point that it'll overcome the AF and some more? It should.
Disclaimer:
1) assume you have AT&T and Prestige
2) assume you're going to redeem for travel via transferring points and/or redeeming for AA. Otherwise why even have prestige?
Last edited by runb4fun; Feb 22, 2016 at 9:11 am
#753
Join Date: Jan 2015
Posts: 1,112
And your math is wrong and made out to be far more complicated then it really should be.
You really don't need to run numbers to figure out if the combo is profitable or not. For instance,
If you use DC you make a net profit of 0.01%. In other words, you'll make $1 for every $10k spend.
That's the point of running the numbers. If you don't, as you didn't, you end up getting wrong answers.
Does Access earn you More (pun intended) than DC? Yes. So, is it going to be profitable?
Does AT&T+Prestige combo earn you? Is is going to be profitable?
Does AT&T+Prestige combo earn you? Is is going to be profitable?
Disclaimer:
1) assume you have AT&T and Prestige
2) assume you're going to redeem for travel via transferring points and/or redeeming for AA. Otherwise why even have prestige?
1) assume you have AT&T and Prestige
2) assume you're going to redeem for travel via transferring points and/or redeeming for AA. Otherwise why even have prestige?
Edit: The only issue is whether it gets 3X on RadPad transactions. There's one report of such, but I haven't found others. But that's why I wanted to do the math. I showed what my assumptions were explicitly. I'll accept being wrong if the 3X is what you based your calculations on, but you would need to make that at least somewhat more explicit for that to be understood.
Last edited by Phantom707; Feb 22, 2016 at 10:17 am
#754
Join Date: Jan 2015
Posts: 37
FYI, I received an email from Citi today advising that I was approved for the ATT Access More card and the credit limit. The account is considered open as of today, according to the email. This is the card I applied for Saturday with runb4fun's link. FYI, there is also an active link at the bottom right of the att.com web page. Email said I would have the card in 7-10 days.
#756
Join Date: Dec 2015
Posts: 530
Why on earth would I do calculations for 10199 when I can do it for 10k?
Hint #1: One of them requires calculator while the other requires mere second of thoughts.
Hint #2: Assume 10k is your rent after radpad fee.
Yes, and this is why you need to run the numbers. How else are you going to decide if something is profitable? Are you just going to go based on gut feeling without running the numbers? Gut feelings don't work in computing profits. If they did, the stock market would be so much easier.
I think I saw a data point saying Venmo did not give 3x. If it worked, it would be pretty amazing.
Last edited by runb4fun; Feb 22, 2016 at 2:31 pm
#757
Join Date: Feb 2013
Posts: 122
FYI, I received an email from Citi today advising that I was approved for the ATT Access More card and the credit limit. The account is considered open as of today, according to the email. This is the card I applied for Saturday with runb4fun's link. FYI, there is also an active link at the bottom right of the att.com web page. Email said I would have the card in 7-10 days.
#758
Join Date: Jan 2015
Posts: 1,112
Can you please think a little bit before you throw some numbers?
Why on earth would I do calculations for 10199 when I can do it for 10k?
Hint #1: One of them requires calculator while the other requires mere second of thoughts.
Hint #2: Assume 10k is your rent after radpad fee.
I already ran the numbers. I posted it here (or at reddit) at certain point. The profit, as I stated in previous page, comes out to be 242 after all fees are subtracted.
Why on earth would I do calculations for 10199 when I can do it for 10k?
Hint #1: One of them requires calculator while the other requires mere second of thoughts.
Hint #2: Assume 10k is your rent after radpad fee.
I already ran the numbers. I posted it here (or at reddit) at certain point. The profit, as I stated in previous page, comes out to be 242 after all fees are subtracted.
Why would you be more accurate when you can be less accurate? That's basically exactly what you said when you asked why you should use $10 000 or $10 199. The answer is because one is more accurate! Who cares if you have to use a calculator or not? One is more accurate than the other. If all you want to do is avoid using a calculator, we might as well tell everyone to use 3 as the value of pi.
And your hint #2 is actually worse. Your own argument goes against you. If $10 000 is the amount after the fee, you would have to make calculations using the amount in principal, $9804.88. You made the math worse your way.
It's not posted within this thread that the card earns 3 X at Rad Pad. I specifically had looked through the thread before my first post here. Within all the time this thread has existed, we were the first ones to start talking about Rad Pad.
As I said, I'm completely willing to accept being wrong given that there's evidence that it earns 3 X with Rad Pad. However, that evidence was never presented here, and I had to search to find anything about it. So it's not like it's reasonable to expect people to know everything you've said in a completely different site.
#759
Moderator
Join Date: Jun 2003
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https://creditcards.citicards.com/us...526A3348#/menu
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https://www.citicards.com/cards/cred...DWL&t=t&naInd=
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#760
Join Date: Dec 2015
Posts: 530
if you don't believe the numbers i provided, search for it on churning reddit. i'm not sure if i can link reddit posts.
if u don't believe it earns 3x on radpad then that idk what to say lol. it's all over the net.
i'm not your assistant to feed you with information, mate.
if u don't believe it earns 3x on radpad then that idk what to say lol. it's all over the net.
i'm not your assistant to feed you with information, mate.
#761
Join Date: Jan 2015
Posts: 1,112
if you don't believe the numbers i provided, search for it on churning reddit. i'm not sure if i can link reddit posts.
if u don't believe it earns 3x on radpad then that idk what to say lol. it's all over the net.
i'm not your assistant to feed you with information, mate.
if u don't believe it earns 3x on radpad then that idk what to say lol. it's all over the net.
i'm not your assistant to feed you with information, mate.
#764
Join Date: Aug 2014
Posts: 282