Death Of The Citi Dividend Card
Oct 3, 2006, 8:00 am
#61
Join Date: Mar 2001
Location: Ann Arbor, Michigan USA
Programs: Marriott lifetime Titanium, Delta Platinum
Posts: 5,472
Originally Posted by themicah
Do you carry a balance? What percentage of your spending is on non-5% category stuff?
Last edited by ohmark; Oct 3, 2006 at 10:05 am
Oct 5, 2006, 10:40 pm
#62
Join Date: Dec 2005
Posts: 418
CITI does not automatically change you.
I have a citibank Drivers edge card that is still earning 2% for all purchases even though they changed the earning structure for it a year ago. I often wonder if I would be better in the new structure. I figure changes are usually to screw the customer not to help him.
Oct 7, 2006, 12:42 am
#63
Join Date: Apr 2006
Location: CMH
Posts: 891
Originally Posted by canuck_in_pa
I wonder if their decision is based on actual usage. I used mine for gas/groceries/pharmacy only. I got the letter. They were probably losing big money on my account.
Oh well, I just moved that spending somewhere else.
Oh well, I just moved that spending somewhere else.
Oct 7, 2006, 8:05 am
#65
Suspended
Join Date: Jan 2006
Location: Alabama / Georgia
Programs: DL, HHonors, AA, US, Aloha Pass, BA, CO, HawaiianMiles, Chairman, Centurion, AXP, MR, MHC Gold
Posts: 3,467
Originally Posted by joelmeu
The recent changes to the cash back rewards of the Citi Dividend MasterCard prompted me to do some personal analysis to find the best mix of cashback cards for my spending patterns.
That personal analysis inspired me to build a general-purpose tool to help anyone determine the single best card or mix of N cards that will maximize their cashback rewards. You just plug in how much you spend each month (broken out by categories for best results) and you're presented with a list of recommended cards sorted from best to worst by your expected annual reward. If having more than one card and using each card to its strengths could yield a greater total reward, then each combination of the Best N cards is presented as well.
You can see the tool at http://www.creditcardtuneup.com/ .
I'm certainly interested in any suggestions you might have to make it better.
That personal analysis inspired me to build a general-purpose tool to help anyone determine the single best card or mix of N cards that will maximize their cashback rewards. You just plug in how much you spend each month (broken out by categories for best results) and you're presented with a list of recommended cards sorted from best to worst by your expected annual reward. If having more than one card and using each card to its strengths could yield a greater total reward, then each combination of the Best N cards is presented as well.
You can see the tool at http://www.creditcardtuneup.com/ .
I'm certainly interested in any suggestions you might have to make it better.
Oct 7, 2006, 11:03 am
#66
Join Date: Jan 2003
Location: NYC
Posts: 8,498
Originally Posted by FlyerInCmh
Me too. I used to use it for everything, but since I got an AAdvantage MC, I only used the Dividend Card for gas and groceries. I have about $26 of cash reward there. If I close the account, will I be able to get the $26 or will I lose it?
Oct 7, 2006, 12:22 pm
#67
Join Date: Sep 2006
Posts: 146
Originally Posted by drbond
Originally Posted by joelmeu
The recent changes to the cash back rewards of the Citi Dividend MasterCard prompted me to do some personal analysis to find the best mix of cashback cards for my spending patterns.
That personal analysis inspired me to build a general-purpose tool to help anyone determine the single best card or mix of N cards that will maximize their cashback rewards. You just plug in how much you spend each month (broken out by categories for best results) and you're presented with a list of recommended cards sorted from best to worst by your expected annual reward. If having more than one card and using each card to its strengths could yield a greater total reward, then each combination of the Best N cards is presented as well.
You can see the tool at http://www.creditcardtuneup.com/ .
I'm certainly interested in any suggestions you might have to make it better.
That personal analysis inspired me to build a general-purpose tool to help anyone determine the single best card or mix of N cards that will maximize their cashback rewards. You just plug in how much you spend each month (broken out by categories for best results) and you're presented with a list of recommended cards sorted from best to worst by your expected annual reward. If having more than one card and using each card to its strengths could yield a greater total reward, then each combination of the Best N cards is presented as well.
You can see the tool at http://www.creditcardtuneup.com/ .
I'm certainly interested in any suggestions you might have to make it better.
That's a good idea. But is that what you were thinking Dr. Bond?
+Joel
Oct 11, 2006, 10:51 pm
#68
Join Date: Sep 2006
Posts: 146
Originally Posted by joelmeu
Yeah, I'm pretty sure I can have the CreditCardTuneUp tool do that, but I want to first be sure of what "auto decimal" means. I'm thinking it means that the user never actually has to enter the decimal point. As the user enters the numeric dollar amount, the entry field keeps adjusting the position of the decimal point in the entered value so that there are always two digits to the right of the decimal point. (Plus, I suppose it should make sure that the user is only entering numerals by ignoring non-numeric keystrokes.)
That's a good idea. But is that what you were thinking Dr. Bond?
+Joel
That's a good idea. But is that what you were thinking Dr. Bond?
+Joel
It's possible that what I'd implemented for "auto-decimaling" was not what you had in mind. If you could point me to an example of what you had in mind and it is not as annoying as the auto-decimaling functionality I prototyped, I'll reconsider auto decimaling.
Thanks again for the suggestion.
Oct 12, 2006, 9:11 pm
#70
Join Date: Apr 2003
Location: BOS and vicinity
Programs: Former UA 1P
Posts: 3,725
Originally Posted by kranky
From what I hear elsewhere, the people who have not gotten the letter from Citi have had the card for about 14 months or less. Does that jibe with the experiences here?
Oct 14, 2006, 11:36 am
#72
Join Date: Aug 2004
Programs: Delta Platinum, HH Diamond
Posts: 363
Originally Posted by joelmeu
The recent changes to the cash back rewards of the Citi Dividend MasterCard prompted me to do some personal analysis to find the best mix of cashback cards for my spending patterns.
That personal analysis inspired me to build a general-purpose tool to help anyone determine the single best card or mix of N cards that will maximize their cashback rewards. You just plug in how much you spend each month (broken out by categories for best results) and you're presented with a list of recommended cards sorted from best to worst by your expected annual reward. If having more than one card and using each card to its strengths could yield a greater total reward, then each combination of the Best N cards is presented as well.
You can see the tool at http://www.creditcardtuneup.com/ .
I'm certainly interested in any suggestions you might have to make it better.
That personal analysis inspired me to build a general-purpose tool to help anyone determine the single best card or mix of N cards that will maximize their cashback rewards. You just plug in how much you spend each month (broken out by categories for best results) and you're presented with a list of recommended cards sorted from best to worst by your expected annual reward. If having more than one card and using each card to its strengths could yield a greater total reward, then each combination of the Best N cards is presented as well.
You can see the tool at http://www.creditcardtuneup.com/ .
I'm certainly interested in any suggestions you might have to make it better.
Oct 17, 2006, 5:27 pm
#73
Join Date: Sep 2006
Posts: 146
Originally Posted by budblab
Very interesting tool, thanks for sharing this. I would be interested to see what happens when you add in the Fidelity 529 Mastercard, which gives 2% cash deposit on all spending into a Fidelity 529 account, for those of us saving for college. Also, another consideration would be that the Starwood Amex card gives points that are typically valued at 2.5 cents each for hotel stays.
I'll add that Fidelity 529 2% MasterCard as well.
I'll let you know when the changes are made. Thanks again for your suggestions.
Oct 17, 2006, 6:08 pm
#74
Suspended
Join Date: Aug 2005
Location: BOS
Posts: 15,027
You can again apply online for the Citi Dividend Platinum Select and earn a whopping 2% cash back https://www.accountonline.com/ACQ/Ch...EYS=4T4Z56A6-M 
Oct 19, 2006, 10:44 pm
#75
Join Date: Mar 2001
Location: Ann Arbor, Michigan USA
Programs: Marriott lifetime Titanium, Delta Platinum
Posts: 5,472
A doubt just occurred to me about my earlier posting. Is the card being discussed in this thread the Citi Diamond Dividend Master Card? I just noticed that "Diamond" has not been used in the OP and other posts.