The "best" credit card?

[dud]

I am looking to switch to the best CC that provides the max benefits to someone who carries no monthly balance.

The renouned ROSSMAN, seer of the Ferengi provided the following info. What fo you think and which card would you switch to?

"Normally I would recommend the Citi Dividend Platinum Select Mastercard but this time I'm going to recommend the Chase Cash Plus Rewards Visa which offers:

* 5% cash back on purchases at supermarkets, drugstores and gas stations
* 1% cash back on all other purchases
* 0% APR on both purchases and balance transfers for up to 12 months
* Redeem cash back for checks or gift certificates
* Newest cash back card from Chases - replaces the Ultimate Awards card
* No annual fee


The only reason I recommend Chase over the Citi is because it's a VISA which offers warranty manager service.

It appears MasterCard no longer offers warranty benefits to their cardholders "

 

[RossMAN]

Ah so it was you!

 

[PurdueRy]

Citi cards can be got in VISA form....there is an option when selecting the card you want. I picked mastercard because VISA had that security scare before and they had to replace my card.

 

[Platypus]

Originally posted by: PurdueRy
Citi cards can be got in VISA form....there is an option when selecting the card you want. I picked mastercard because VISA had that security scare before and they had to replace my card.

As did MasterCard.

 

[PurdueRy]

Originally posted by: CorporateRecreation

Originally posted by: PurdueRy
Citi cards can be got in VISA form....there is an option when selecting the card you want. I picked mastercard because VISA had that security scare before and they had to replace my card.

As did MasterCard.

ah well, didn't know cause it didn't affect my mastercard. Either way, I saw no obvious reason to choose either so I chose the one I was more use to.

 

[RossMAN]

Originally posted by: PurdueRy
Citi cards can be got in VISA form....there is an option when selecting the card you want. I picked mastercard because VISA had that security scare before and they had to replace my card.

That's good to know, thanks :thumbsup:

I thought a few years ago Citi was switching all cc products from VISA to MC?

 

[dethman]

i have citi dividends in both visa and mc forms.

 

[Trey22]

Originally posted by: dud
Chase Cash Plus Rewards Visa which offers:

* 5% cash back on purchases at supermarkets, drugstores and gas stations
* 1% cash back on all other purchases
* 0% APR on both purchases and balance transfers for up to 12 months
* Redeem cash back for checks or gift certificates
* Newest cash back card from Chases - replaces the Ultimate Awards card
* No annual fee

Looks like I'll be ditching my Platinum Discover for this one... they all seem like good benefits above and beyond the 1-2% cashback I currently get.

 

[dud]

ROSSMAN,

You have ALWAYS been very helpful in providing advice when it comes to financials BUT I have always wondered how you find time to do it. Do you work for a living or are you independently wealthy?

I must tell you that the reason I asked for your advice on the other site was because my CU has changed (for the worse) recently. I have been with them since '79. New management was brought in and many of the existing employees (I like to call them my family) were either moved or quit in disgust.

I am ready to get rid of my Platinum VISA through the CU and get one that actually rewards me for using it. Thanks again for your valuable advice.

 

[AmigaMan]

Link to First USA for this credit card in case anyone wants to learn more. My wife and I are probably going to get this...

 

[Cooler]

American Express is the best Credit card hands down no credit limit.

 

[helpme]

Insert Kickstart v1.3

Guru meditation

 

[dud]

" Insert Kickstart v1.3

Guru meditation "



?

 

[helpme]

Originally posted by: dud
" Insert Kickstart v1.3

Guru meditation "



?

It's for AmigaMan

 

[Syringer]

Originally posted by: Cooler
American Express is the best Credit card hands down no credit limit.

What are you looking to buy that you can't because of a credit limit that you can't buy through another means of financing that will provide a lower interest rate?

 

[orenero]

Originally posted by: Trey22

Originally posted by: dud
Chase Cash Plus Rewards Visa which offers:

* 5% cash back on purchases at supermarkets, drugstores and gas stations
* 1% cash back on all other purchases
* 0% APR on both purchases and balance transfers for up to 12 months
* Redeem cash back for checks or gift certificates
* Newest cash back card from Chases - replaces the Ultimate Awards card
* No annual fee

Looks like I'll be ditching my Platinum Discover for this one... they all seem like good benefits above and beyond the 1-2% cashback I currently get.

Keep in mind if you read the fine print these cards come with a 300 dollar cash back limit for the year and thats it.. = ). Whereas the MBNA rewards card has no limit you can build up as long as you want.

 

[Suspicious-Teach8788]

The best combo to have with your 5%/1% cards (whether its the Citi Dividend Platinum Select or whatever) is AMEX TrueEarnings from Costco. 3/2/1 cashback comes useful because you can't get extra cashback on your Citi card for travel or eating out... Thus, use it with an AMEX card and use whichever gives you the most cashback =].

 

[mugs]

Originally posted by: Cooler
American Express is the best Credit card hands down no credit limit.

Which American Express card? I think the Blue Cash *can* be better than the Citi card depending on your situation, but in most cases the Citi card is an all-around better card. Even better is a combination of a few cards to maximize your rewards. One of the ~3 main cards I use is an Amex - Costco Amex.

 

[mugs]

Originally posted by: orenero

Keep in mind if you read the fine print these cards come with a 300 dollar cash back limit for the year and thats it.. = ). Whereas the MBNA rewards card has no limit you can build up as long as you want.

The limit is a non-issue for *most* people.

 

[Engineer]

Originally posted by: mugs

Originally posted by: orenero

Keep in mind if you read the fine print these cards come with a 300 dollar cash back limit for the year and thats it.. = ). Whereas the MBNA rewards card has no limit you can build up as long as you want.

The limit is a non-issue for *most* people.

Also, I really like the convenience of getting the money back on a monthly basis automatically of the Chase cards. I'm tempted to use the Citibank card until it maxes out each year and then switch to Chase...confusing, but a little more earnings potential.

 

[azoomee]

It doesn't tell you how many points are needed for any of the rewards.....do any of you have this so you could pass some reward points required?

 

[mugs]

Originally posted by: Engineer


Also, I really like the convenience of getting the money back on a monthly basis automatically of the Chase cards. I'm tempted to use the Citibank card until it maxes out each year and then switch to Chase...confusing, but a little more earnings potential.

Or do like I do and use a different card for the purchases that only earn you 1% from Citi. I buy a lot from Amazon.com, so I have their card (effectively 3%), I use a Costco Amex (1% at Costco, 2% on travelling, 3% at restaurants), Target card for Target store purchases (because we buy so darn much there - the reweard is 10% off an entire day of shopping for every $1000 spent, so as long as we spend more than $100 (an easy thing to do for my wife) it's more than 1% back).

 

[JEDI]

Originally posted by: dud
I am looking to switch to the best CC that provides the max benefits to someone who carries no monthly balance.

The renouned ROSSMAN, seer of the Ferengi provided the following info. What fo you think and which card would you switch to?

"Normally I would recommend the Citi Dividend Platinum Select Mastercard but this time I'm going to recommend the Chase Cash Plus Rewards Visa which offers:

* 5% cash back on purchases at supermarkets, drugstores and gas stations
* 1% cash back on all other purchases
* 0% APR on both purchases and balance transfers for up to 12 months
* Redeem cash back for checks or gift certificates
* Newest cash back card from Chases - replaces the Ultimate Awards card
* No annual fee


The only reason I recommend Chase over the Citi is because it's a VISA which offers warranty manager service.

It appears MasterCard no longer offers warranty benefits to their cardholders "

What's warranty manager service? Esplain pls

 

[zainali]

cashback is usually citi
amex is good for bvg , extended warranty and the wishlist contest (25% amazon coupons)

 

[snowdogg187]

Originally posted by: Trey22

Originally posted by: dud
Chase Cash Plus Rewards Visa which offers:

* 5% cash back on purchases at supermarkets, drugstores and gas stations
* 1% cash back on all other purchases
* 0% APR on both purchases and balance transfers for up to 12 months
* Redeem cash back for checks or gift certificates
* Newest cash back card from Chases - replaces the Ultimate Awards card
* No annual fee

Looks like I'll be ditching my Platinum Discover for this one... they all seem like good benefits above and beyond the 1-2% cashback I currently get.

Thats what i did, the discover platinum has crap for cashback bonus. It was good when they doubled it for restaurants though. Now i just won't use it anymore.