Charter One: 5% cash back on gas/grocery/drugstore
 

Charter one has the same deal as WF, except it is for 3 months:

https://www.charterone.com/cards-and...-platinum.aspx

"Get the most for your purchases. Earn unlimited cash back with the Charter One CashBack Platinum MasterCard®.

Earn the additional cash back for the first 90 days after account opening1
10% cash back on restaurant purchases for a limited time only!
5% cash back on gas, grocery and drug store purchases
1% cash back on all other purchases
After 90 days, receive 1% cash back for all purchases
No annual fee"

They never learn, don't they?

That website looks just like Citizens Bank's. Are they the same company? Citizens Bank has the same card with the same terms too.

From the bottom of the app page:
© Copyright 2014 RBS Citizens Financial Group Inc. All rights reserved.
Charter One is a brand name of RBS Citizens, N.A. (NMLS ID# 43396)

this is nothing new. Been going on for over a year. A few lucky folks like me got targeted offers for 10% last spring. Those were a very busy 3 months for me.

10%. omg lucky u. I could have taken PTO for a 2 month from work. Every penny will pass through this card.

Something coded as restaurant should start selling our instruments rather quickly. Real opportunity for them.

Can't remember all the details, but this card has a maximum pay out per month. You *eventually* will get all the money you earned in the 90 day period, but the payout can take years, depending how successful you were!

See existing thread: http://www.flyertalk.com/forum/manuf...s-bank-5x.html

Yes, looks like 300 per month. Not bad as long as we get the money. My WF 6month promo over. I am thinking to apply.

If it's like citizens the points expire after like 3 years so technically you could only get 36 months x 300$= 10,800 max payout

Or maybe 38 months, as the ones earned in month 3 expire three years after that!

They give you laughable ($500-1000) credit lines. Charter One and Citizens are the worst CCs I ever had.

For those with small credit lines, has anyone tried overpaying so that you have a negative balance? You can do this with some issuers to make larger purchases.

I'll be able to let you know in late 2016 if that's true or not.

Few problems:

1. If you don't have a retaliation ship with the bank - they have very stringent requirements. I had a 785 score, yet was turned down on an app because I have two many cards open and too much credit available - even though my utiliz was low.

2. They generally give new applicants very low CLs ($500-$1000). Especially if you don,t have a relationship with the bank.

3. they throttle MSers. After a few weeks of moderate MS use, it takes 10 days for a payment to clear and get back the CL. So I was only able to turn over the CL 3 times per month after they throttled me.