Rewards Cards
Dec 4, 2002 | 11:04 pm
#31
Join Date: Oct 2000
Location: Sunnyvale, CA
Posts: 782
<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by pinniped:
Thanks for the tip, Silicon.
Do you know how Fleet pays out? Is it a year-end payout, or is it paid month-to-month as a credit on your bill?</font>
Thanks for the tip, Silicon.
Do you know how Fleet pays out? Is it a year-end payout, or is it paid month-to-month as a credit on your bill?</font>
By the way, it occurs to me that maybe Fleet doesn't put the tiers on the website so they can change them at any time. You may want to call them and get a copy of the tiers in writing.
Dec 5, 2002 | 12:45 pm
#32
Join Date: Dec 2002
Location: St. Paul, MN
Posts: 1
I also did a lot of research before settling on this card: Chase StockBack card. I didn't build a spreadsheet for this, but I've been know to get that carried away 
....
You get 1% back on all purchases. Period. None of this tier stuff or needing to carry a balance to get to 1%. The exception comes when you earn MORE than 1%. You earn more when you purchase from select retailers like BestBuy (2%) and other brick and mortar stores. In their words, "earn up to 25% back at participating stores and 110+ online merchants." There is no anual fee and the APR is very low.
You can opt to get your rewards in cash or placed in a S&P Index Mutual Fund (hence the name "StockBack". I've found it takes over a month for the rewards to move from "pending" to cash.
________________________
http://SecondIncom.com/
[This message has been edited by tiggwin (edited 12-05-2002).]
....You get 1% back on all purchases. Period. None of this tier stuff or needing to carry a balance to get to 1%. The exception comes when you earn MORE than 1%. You earn more when you purchase from select retailers like BestBuy (2%) and other brick and mortar stores. In their words, "earn up to 25% back at participating stores and 110+ online merchants." There is no anual fee and the APR is very low.
You can opt to get your rewards in cash or placed in a S&P Index Mutual Fund (hence the name "StockBack". I've found it takes over a month for the rewards to move from "pending" to cash.
________________________
http://SecondIncom.com/
[This message has been edited by tiggwin (edited 12-05-2002).]
Dec 5, 2002 | 8:09 pm
#33
Join Date: Oct 2002
Posts: 5
A few things:
1) I actually applied for the Fleet card a couple of months ago when I was doing credit card shopping. It came and it seems that they've changed their terms since the beginning of the year. Now, it is only an up to 1% card if you do not carry a balance. So nix that idea.
2) You also want to investigate the Citgo Preferred Visa:
http://www.citgo.com/CreditCash/CITG...ferredVISA.jsp
It offers a flat 1% off every statement, limited to $40/month. Very attractive as long as you aren't a big spender.
3) If you're just looking to maximize your return, Principal Bank offers a flat 1.25% card:
http://www.principal.com/bank/ccards_rewards.htm
The (big) catch there is you need to have another account with them.
1) I actually applied for the Fleet card a couple of months ago when I was doing credit card shopping. It came and it seems that they've changed their terms since the beginning of the year. Now, it is only an up to 1% card if you do not carry a balance. So nix that idea.
2) You also want to investigate the Citgo Preferred Visa:
http://www.citgo.com/CreditCash/CITG...ferredVISA.jsp
It offers a flat 1% off every statement, limited to $40/month. Very attractive as long as you aren't a big spender.
3) If you're just looking to maximize your return, Principal Bank offers a flat 1.25% card:
http://www.principal.com/bank/ccards_rewards.htm
The (big) catch there is you need to have another account with them.
Dec 6, 2002 | 12:36 am
#34
Join Date: Sep 2002
Location: LAX
Programs: UA
Posts: 1,479
Check this site out
http://www.creditcardgoodies.com/
I've been checking it for about 8-10 years.
Peter Flur has an in-depth analysis of rebate cards & miles cards.
AmEx used to offer a free AmEx Sheraton card.
I have plenty of 1% rebate cards, and some 1+% cards. The payout varies - once/year, once/month, every $25-100, etc...
Currently I started using AmEx's Delta card even though I primarily fly Continental/Northwest. They gave me 15,000 miles the last two months for only $3,000 of purchases.
Over the past 20 years, so many of my rebate cards have been purchased by other banks or "upgraded" that I usually try to hold a few.
Currently I also have: (1) AmEx Cash Rebate (2) Fleet Savings Bond (3) Citibank Dividend Select (4) Discover Cash Back (5) Chase Shell
Discover offers 2X rebates at Borders, which is just like cash since I buy a lot of books.
Mitchell
http://www.creditcardgoodies.com/
I've been checking it for about 8-10 years.
Peter Flur has an in-depth analysis of rebate cards & miles cards.
AmEx used to offer a free AmEx Sheraton card.
I have plenty of 1% rebate cards, and some 1+% cards. The payout varies - once/year, once/month, every $25-100, etc...
Currently I started using AmEx's Delta card even though I primarily fly Continental/Northwest. They gave me 15,000 miles the last two months for only $3,000 of purchases.
Over the past 20 years, so many of my rebate cards have been purchased by other banks or "upgraded" that I usually try to hold a few.
Currently I also have: (1) AmEx Cash Rebate (2) Fleet Savings Bond (3) Citibank Dividend Select (4) Discover Cash Back (5) Chase Shell
Discover offers 2X rebates at Borders, which is just like cash since I buy a lot of books.
Mitchell