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Is there a credit card out there with cash returns?

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Chase Perfect Card

3% back on gas 1% back on everything else. applied to your next month's statement. No waiting around to build up $100 before you can get a check like other cards and no having to carry a balance or using a certian amount to the the 1% cash back like others. They just give you back the cash automatically.

http://www.rewardsnetwork.com/homepage.jhtml?

check out that link for the i-dine program. $49 annual fee, but you get 20% back from restaurants in their network. worth it if you eat out alot and they have a lot of places too.
 
Originally posted by: RossMAN
Originally posted by: Zugzwang152
check out gottadeal.com. see sig 😛
Click to expand...

Thanks for the plug, here is a direct link to 4 great credit cards.

Here is an informative USA Today article regarding travel perks credit cards.

I am seriously considering getting the MBNA WorldPoints cc which offers 10% cash back at ANY RETAILER (max $25/mo) until July 2005 and unlimited 1% cash back (CitiBank limits $300 cash back per year).
Click to expand...

Where do I find the info about the 10% cash back? I don't see it on there.
 
Originally posted by: Engineer
Chase: Pefect Card

The Chase Perfect card gives 1% on all purchases and 3% on Gas (6% on gas for 90 days). The nice thing about this card is that you get the money back (as a credit statement) automatically at the end of the statement period (every 30 days or so). No waiting for a year and no calling. There's a fee...but it's waved if you use the card 6 times a year (IIRC on the number of times)
Click to expand...

I agree the Chase Perfect Card is great but I hardly use it.

The one nice feature is it automatically credits your rebates at the end of every statement.

Aside from that one nice convenience, the CitiBank Dividend Platinum Select kicks ass:
  • No annual fee.
  • I prefer their online banking interface over Chase (personal preference), also payments made the same day before 1:00 PM EST are applied the same day, for free.
  • Virtual Account Numbers 1 time use cc's.
  • Finally 5% cash back on gas, supermarket and drugstore purchases. 1% cash back on other purchases

It's hard to lose if you have a good rewards cc such as Chase, CitiBank, Amex, MBNA, and even Discover *shudders*.
 
i use the citi dividend card for regular purchases and the blue cash for internet orders, since i think amex has better fraud protection, and i think they have the double warrnaty thing as well as the purchase accidental protection plan etc (which i have never tried)

the blue cash gives you 5% only when you carry a large balance. overall the citi card is a lot better for cash back
 
Originally posted by: sniperruff
i use the citi dividend card for regular purchases and the blue cash for internet orders, since i think amex has better fraud protection, and i think they have the double warrnaty thing as well as the purchase accidental protection plan etc (which i have never tried)

the blue cash gives you 5% only when you carry a large balance. overall the citi card is a lot better for cash back
Click to expand...

I am impressed with the Amex Card Benefits you listed especially:

Free 1 year extended warranty (VISA and MC also offer this)
Return protection (return products up to 90 days after purchase)
Purchase Protection Plan (protects eligible products against accidental damage and theft for up to 90 days after purchase)
 
Originally posted by: RossMAN
Originally posted by: sniperruff
i use the citi dividend card for regular purchases and the blue cash for internet orders, since i think amex has better fraud protection, and i think they have the double warrnaty thing as well as the purchase accidental protection plan etc (which i have never tried)

the blue cash gives you 5% only when you carry a large balance. overall the citi card is a lot better for cash back
Click to expand...

I am impressed with the Amex Card Benefits you listed especially:

Free 1 year extended warranty (VISA and MC also offer this)
Return protection (return products up to 90 days after purchase)
Purchase Protection Plan (protects eligible products against accidental damage and theft for up to 90 days after purchase)
Click to expand...

yeah when my friend's laptop got stolen out of his car, the first thing i asked him was if he used an amex card to buy it... unfortunately he doesn't have an amex card...
 
Originally posted by: RossMAN
Originally posted by: Zugzwang152
check out gottadeal.com. see sig 😛
Click to expand...

Thanks for the plug, here is a direct link to 4 great credit cards.

Here is an informative USA Today article regarding travel perks credit cards.

I am seriously considering getting the MBNA WorldPoints cc which offers 10% cash back at ANY RETAILER (max $25/mo) until July 2005 and unlimited 1% cash back (CitiBank limits $300 cash back per year).
Click to expand...

I think you're a tad to late for that. The brethrens at FW seemed to have confirmed both HGW1/HGW4 has ceased to exist.
 
i still want to know where descartes gets his 20% from. I couldn't find anything that mentions that on the website. Hidden VIP thing, perhaps?
 
Originally posted by: DJFuji
i still want to know where descartes gets his 20% from. I couldn't find anything that mentions that on the website. Hidden VIP thing, perhaps?
Click to expand...

same
 
Actually Citi is fairly weak. Cashback paid only in $50 increments, and I believe it accrues only within a calendar year. I believe you lose your balance every December 31st then?

Citi is still my second-most used card due to VAN (Virtual Account Numbers).
 
Originally posted by: manly
Actually Citi is fairly weak. Cashback paid only in $50 increments, and I believe it accrues only within a calendar year. I believe you lose your balance every December 31st then?
Click to expand...

I don't mind the $50 increments when they're giving me 5% back on gas and groceries. I'm pretty sure that if you have less than $50 on December 31, they send you whatever you have. So like any other card, you get exactly what you earn. You'd have to really not use it much to not make $50 in a year though.

Citi is still my second-most used card due to VAN (Virtual Account Numbers).
Click to expand...

What card do you use that gives you better rewards?
 
Originally posted by: OS
I get all this junk mail from CC companies with various rewards I'll never use, is there a CC with a cash refund or reward based on use?
Click to expand...

MBNA World Points Platinum Master Card.

I can soon cash in $200 after spending $20k with it. :Q
Gotta do it before Dec 31 when they change the points system.
 
Originally posted by: RossMAN
So are there any reasons why I would get the MBNA WP?

When I already have a Citi and Chase?
Click to expand...

Not really IMHO.
MBNA WP will change their cash reward by ther end of the year. Currently 20000 points gives $200 (1% back), they will change it to something like 20000 --> $150. I have numbers somewhere.
So basically if you have 20k points now, cash it before the end of the year.
 
Descartes -- You have the 10% rebate card that is a temporary offer. The instant credits expire in about 9 more months. Here are the details:

Call 1-800-437-0180 to apply, offer code HGW4, MBNA CashBack Platinum Plus Mastercard.

Bonus Rebate: 10% Instant rebate on many everday pruchases automatically (credit back to account in two days, limit $25 per month)until 6/05
Cash Back: unlimited 1% continuous cash back on purchase (no limit, request $25 credit once spend $2500) spend $100 before 6/05, get $10 (rebate credit) plus $0.9 (cash back earnings $90x1%), after that will be $1.
APR: 0% Introductory APR for cash advance checks and balance transfers until 6/05
No Annual Fee

Edit: "The 10% statement credit rebate will be applied to net retail purchase transactions made with the Account during the Eligibility Period (June 17, 2004 through June 30, 2005, inclusive) at retail merchant locations assigned one of the following merchant category codes as designated by MBNA: 5200, 5251, 5411, 5499, 5812, 5813, 5814, 5912."
5200--Home Supply Warehouse Stores
5251--Hardware Stores
5411--Grocery Stores, Supermarkets
5499--Miscellaneous Food Stores -- Specialty, Markets, Convenience
5812--Eating Places, Restaurants
5813--Drinking Places, Bars, Nightclubs, Discotheques
5814--Fast Food
5912--Drugstores and Pharmacies
 
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