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Credit Cards: Now that Citi's 5% card is moribund, what's the next best?

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No Lifer
The 5% cash-back some of us have been enjoying is set to go bye-bye come Oct 13, I hear, and go down to 2%, which means no more business from me for Citi. What's another great card we can use for a bunch of cash-back?
 
hmmm it's skroob!

for now, i'll use the chase cash plus rewards card. same percentage, but using point system to redeem cash. i like citi over chase but oh well.
 
Originally posted by: Dacalo
Not sure about others, but I am using Amex Blue Cash. $6,500 is easy to surpass for me.
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Really you have to spend close to twice that to beat the new Citi cashback program.
 
I added Costco Amex to the mix recently. 3% on restaurants of any sort. 2% on travel related expenses. 1% on all else and it doubles as my Costco membership. As much as I would like to lash out at Citi as you suggest doing and stop using the card, I don't think that I will be able to find anything really better than their new terms available right now.
 
Originally posted by: Reel
I added Costco Amex to the mix recently. 3% on restaurants of any sort. 2% on travel related expenses. 1% on all else and it doubles as my Costco membership. As much as I would like to lash out at Citi as you suggest doing and stop using the card, I don't think that I will be able to find anything really better than their new terms available right now.
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Yeah I have a mix of cards I use.

Most of my regular purchases are from Costco and Target, so I have the Costco Amex (1/2/3 cashback) for Costco purchases, eating out and plane tickets. I also have the Target Visa, which gives a 10% off coupon for ever $1000 you spend. As long as I use it on a purchase of $100 or more, that beats the 1% I'd get there with any other card.

A lot of my online purchases are from amazon.com, so I have their VISA - 3% back.

I use my Citi card for anything else and will continue to do so when the cashback changes.
 
Hmm, I didn't know about that Target Visa.

My wife charges large amounts in business expenses that are reimbursed. So, I'm in an unusual situation in that my yearly charged amounts are around $60K to $80K. I switch from the AMEX green cash rebate card because it stops giving a rebate at $50K.
 
Get the Chase Cash Plus Rewards card, I just picked it up, you can still find a link to apply if you search in my old Citi Dividend thread.
 
Don't call it a 5% back card, it is only 5% on groceries and gas (which equate to a small portion of what I buy).

Anyway, I got one of them a few months ago because I saw that it was recommended here but I still find it hard to believe that it was the best card to have when it has an 18% APR.
 
Originally posted by: Staples
Don't call it a 5% back card, it is only 5% on groceries and gas (which equate to a small portion of what I buy).

Anyway, I got one of them a few months ago because I saw that it was recommended here but I still find it hard to believe that it was the best card to have when it has an 18% APR.
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For most of us we payoff our bill every month, so APR means nothing. It could be 50% for all I care.
 
Originally posted by: Staples
Don't call it a 5% back card, it is only 5% on groceries and gas (which equate to a small portion of what I buy).

Anyway, I got one of them a few months ago because I saw that it was recommended here but I still find it hard to believe that it was the best card to have when it has an 18% APR.
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Generally, all discussion here of credit cards assume you don't carry a balance from month to month, making the APR irrelevant. For people that carry a balance, lowest APR is pretty much the only criterion and therefore there's not much to talk about.
 
Originally posted by: PaulNEPats
Get the Chase Cash Plus Rewards card, I just picked it up, you can still find a link to apply if you search in my old Citi Dividend thread.
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It says "unavailable" when you look for this card.


This looks very interesting. 5% cash back on gas with a possible 10% if you redeem for gift cards at certain retailers.

EDIT: hmm, maybe not so great because,

"Earn unlimited cash rewards on all purchases. Earn a full 5% Cashback Bonus on your first $1,200 in annual gas and auto maintenance purchases........."

$1200 probably won't last me more than 3 months!
 
Originally posted by: Staples
Don't call it a 5% back card, it is only 5% on groceries and gas (which equate to a small portion of what I buy).

Anyway, I got one of them a few months ago because I saw that it was recommended here but I still find it hard to believe that it was the best card to have when it has an 18% APR.
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I have to buy gas every week. 5% back was really nice. and I have to eat. might as well get money back for that too. so pissed it's gone now 🙁
 
Originally posted by: Squisher
Originally posted by: PaulNEPats
Get the Chase Cash Plus Rewards card, I just picked it up, you can still find a link to apply if you search in my old Citi Dividend thread.
Click to expand...

It says "unavailable" when you look for this card.


This looks very interesting. 5% cash back on gas with a possible 10% if you redeem for gift cards at certain retailers.

EDIT: hmm, maybe not so great because,

"Earn unlimited cash rewards on all purchases. Earn a full 5% Cashback Bonus on your first $1,200 in annual gas and auto maintenance purchases........."

$1200 probably won't last me more than 3 months!
Click to expand...



Chase Cash Plus Rewards
 
Citi lowered my credit limit b/c it was within 70% of its max and it's been a couple months and I haven't paid it off. Losers, you would think they would be happy to be making money off me.
 
Originally posted by: SP33Demon
Citi lowered my credit limit b/c it was within 70% of its max and it's been a couple months and I haven't paid it off. Losers, you would think they would be happy to be making money off me.
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They lowered it? I carried a balance for a few months (0% APR, no fee) close to 90% and didn't have any trouble. Even got an increase when I paid it off.
 
I will be using citi diamond preferred. I will still get 5% back, but in reward points.

points are so much better than cashback, if and only if you know how to use it.

for example. american express has wsj 6 months subscription for 1,800 points. the value is about $18. if you know how much wsj subscription cost, you will know what I am talking about.

citi's thankyou networkd got good rewards too, you just need to know what you are arming for.
 
The reduction in rewards is eh, but it is my first CC and I'm only 18 so I'll just stick with it. Also, haven't received a letter yet, so it is a possibility that my rewards program 5% will stick around a little longer. Either way, I don't see myself buying much gas/groceries when I'm in my freshman year of school w/o a car or a place to cook food.
 
Originally posted by: DaWhim
I will be using citi diamond preferred. I will still get 5% back, but in reward points.

points are so much better than cashback, if and only if you know how to use it.

for example. american express has wsj 6 months subscription for 1,800 points. the value is about $18. if you know how much wsj subscription cost, you will know what I am talking about.

citi's thankyou networkd got good rewards too, you just need to know what you are arming for.
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Amazon GC's
 
fatwallet has a good thread on 5% cards. I don't know what's better that my chase 5% on groceries/drugstore/gas station though. Between walmart, where 100% of purchases are classified as grocery, walgreens, and gas stations, where I can even buy our 6 cartons/month of cigarettes and get 5% back, there isn't much (except online) that I don't earn 5% on. Drawback is I'm probably approaching the yearly limit after 4-5 months.
 
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