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

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

Old Jun 22, 14, 1:42 pm
  #1  
Original Poster
 
Join Date: Mar 2012
Posts: 186
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"
GeorgeMilesArnold is offline  
Old Jun 22, 14, 2:57 pm
  #2  
 
Join Date: Jan 2012
Location: Paris
Posts: 235
Originally Posted by GeorgeMilesArnold View Post
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?
DL172 is offline  
Old Jun 22, 14, 3:34 pm
  #3  
 
Join Date: Feb 2014
Location: PHL
Posts: 930
That website looks just like Citizens Bank's. Are they the same company? Citizens Bank has the same card with the same terms too.
commdiver is offline  
Old Jun 22, 14, 3:40 pm
  #4  
 
Join Date: Nov 2009
Location: DEN
Programs: SPG Gold; HH Diamond
Posts: 223
Originally Posted by commdiver View Post
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)
kjgco is offline  
Old Jun 22, 14, 3:47 pm
  #5  
 
Join Date: Apr 2013
Posts: 535
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.
zeppoloveskafka is offline  
Old Jun 22, 14, 4:02 pm
  #6  
 
Join Date: Sep 2013
Posts: 156
Originally Posted by zeppoloveskafka View Post
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.
tech2011 is offline  
Old Jun 22, 14, 4:08 pm
  #7  
 
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
Something coded as restaurant should start selling our instruments rather quickly. Real opportunity for them.
pier11 is offline  
Old Jun 22, 14, 4:09 pm
  #8  
 
Join Date: Nov 2011
Posts: 1,942
Originally Posted by tech2011 View Post
10%. omg lucky u. I could have taken PTO for a 2 month from work. Every penny will pass through this card.
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
silver6054 is offline  
Old Jun 22, 14, 4:16 pm
  #9  
 
Join Date: Sep 2013
Posts: 156
Originally Posted by silver6054 View Post
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.
tech2011 is offline  
Old Jun 22, 14, 4:27 pm
  #10  
 
Join Date: Jul 2013
Posts: 1,033
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
ibleed0range is offline  
Old Jun 22, 14, 4:29 pm
  #11  
 
Join Date: Nov 2011
Posts: 1,942
Originally Posted by ibleed0range View Post
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!
silver6054 is offline  
Old Jun 22, 14, 4:34 pm
  #12  
 
Join Date: Nov 2013
Posts: 581
They give you laughable ($500-1000) credit lines. Charter One and Citizens are the worst CCs I ever had.
Zgirl is offline  
Old Jun 22, 14, 6:16 pm
  #13  
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Join Date: Mar 2012
Posts: 186
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.
GeorgeMilesArnold is offline  
Old Jun 22, 14, 6:39 pm
  #14  
 
Join Date: Apr 2013
Posts: 535
Originally Posted by ibleed0range View Post
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
I'll be able to let you know in late 2016 if that's true or not.
zeppoloveskafka is offline  
Old Jun 22, 14, 6:45 pm
  #15  
 
Join Date: Dec 2013
Posts: 546
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.
silver4300 is offline  

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