Recommend me a good "money back" credit card?

[fuzzybabybunny]

Currently looking at an AMEX Platinum Business card. 2.5% back on year-to-date charges from $7,500 - $15,000, 1% cash back on total year-to-date charges of over $15,000. Anything better without a yearly fee?

EDIT: I will not be using this card for groceries, gas, or things at drug stores.

 

[GTaudiophile]

Citi Dividend Platinum Select.

I'm still getting the 5% deal on gas, groceries, etc.

 

[Reckoner]

Chase Cash Rewards Plus, you can still call and apply for it

 

[txrandom]

I just applied for the student Citi Dividend Platinum Visa for College Students and Citi MTVu Visa for College Students. Dividend Platinum has some cash back for grocery, gas, drugstore, and MTVu has points for good grades, restaurants, video, other random ******. They would make a good pair for maximizing money back.

 

[mugs]

Is it 0% for $0-7500?

If so, that's not very good.

There isn't one really great card anymore... a combination of a few cards is the way to go now I think.

 

[fuzzybabybunny]

Thanks for the replies guys, but I probably should have been more clear in the OP. This card will not be used for groceries, gas, and everyday stuff. I applied for the AMEX in the first place because it was 2.5% cash back for EVERY purchase.

 

[fuzzybabybunny]

Originally posted by: mugs
Is it 0% for $0-7500?

If so, that's not very good.

There isn't one really great card anymore... a combination of a few cards is the way to go now I think.

It's actually 0.5%, but I can rack up over $7,500 easily in a year, that's why I didn't mention it.

EDIT: What were the really great cards back in the day?

 

[jagec]

Originally posted by: GTaudiophile
Citi Dividend Platinum Select.

I'm still getting the 5% deal on gas, groceries, etc.

Yeah, what happened to the rumors about them killing this one?

 

[fuzzybabybunny]

Originally posted by: txrandom
I just applied for the student Citi Dividend Platinum Visa for College Students and Citi MTVu Visa for College Students. Dividend Platinum has some cash back for grocery, gas, drugstore, and MTVu has points for good grades, restaurants, video, other random ******. They would make a good pair for maximizing money back.

Thanks, but I'm afraid the card doesn't tailor very well to me.

Drugstore? Never go to it.
Restaurants? I cook and hardly ever go out to eat.
Video? I don't rent.
Gas, Groceries? Those would already be covered with the AMEX Platinum Business.

 

[Strk]

Originally posted by: fuzzybabybunny
Thanks for the replies guys, but I probably should have been more clear in the OP. This card will not be used for groceries, gas, and everyday stuff. I applied for the AMEX in the first place because it was 2.5% cash back for EVERY purchase.

I think that part will kill most of the deals. You may want to say what it's for. While I don't think there's a card that has over 2.5% on all purchases, you do have cards that offer extra bonuses at certain companies.

 

[Reckoner]

If your Citi Dividend card is less than a year old, you'll still have the 5%

Everyone else is on the new (sh!tty) program

 

[Reckoner]

There's 3 cards I use


Amex Platinum Business for Membership Rewards (I use this the least of the 3)
Chase Cash Rewards Plus (5% gas, groceries, drugstore purchases- I use this the most)
Starwood Amex Platinum (I use this whenever the chase card can't give me 5%, or when I book hotels. The rewards program is top notch)

 

[mugs]

Originally posted by: fuzzybabybunny

Originally posted by: mugs
Is it 0% for $0-7500?

If so, that's not very good.

There isn't one really great card anymore... a combination of a few cards is the way to go now I think.

It's actually 0.5%, but I can rack up over $7,500 easily in a year, that's why I didn't mention it.

EDIT: What were the really great cards back in the day?

OK wait... if I spend $7501, do I get 2.5% on $7501, or do I get .5% on $7500 and 2.5% on $1? If the former, sign me up. If the latter, you have to spend much closer to $15,000 on the card tomake it worthwhile.

Citi Dividend Platinum Select and one or two other cards used to be 5% on gas, groceries and drug stores. Those were the main cards for most people around here until they got rid of the 5%.

 

[fuzzybabybunny]

Originally posted by: mugs

Originally posted by: fuzzybabybunny

Originally posted by: mugs
Is it 0% for $0-7500?

If so, that's not very good.

There isn't one really great card anymore... a combination of a few cards is the way to go now I think.

It's actually 0.5%, but I can rack up over $7,500 easily in a year, that's why I didn't mention it.

EDIT: What were the really great cards back in the day?

OK wait... if I spend $7501, do I get 2.5% on $7501, or do I get .5% on $7500 and 2.5% on $1? If the former, sign me up. If the latter, you have to spend much closer to $15,000 on the card tomake it worthwhile.

Citi Dividend Platinum Select and one or two other cards used to be 5% on gas, groceries and drug stores. Those were the main cards for most people around here until they got rid of the 5%.

Oh shoot you're absolutely right.

It's the former.

Dangit!