VISA > MC > Amex > Discover > Diner's Club

[RossMAN]

What's the best credit card to apply for?

CitiBank

This has been a public service announcement.

 

[murphy55d]

Is this really the best? I already have one.

 

[RossMAN]

Originally posted by: murphy55d
Is this really the best? I already have one.

Yes.

 

[LOLyourFace]

I like amex blue.. pretty good reward points + 0% APR first 12 months + 10.99% fixed.

great customer support + fraud protection.

 

[N8Magic]

I have a Sony Citibank MasterCard.

No annual fee, Sony points that you can cash in on all kinds of great stuff, and 0% balance transfers. What more can you ask for?

 

[McPhreak]

For anyone who doesn't carry a balance, I think Chase Mastercard's Stockback program is better than what Citibank can offer in terms of receiving cash back.

 

[RossMAN]

Repeat after me, Amex, PriceLine and Staples is suck.

Why is suck?

Because Ross says so.

In Russia ...

 

[murphy55d]

Originally posted by: LOLyourFace
I like amex blue.. pretty good reward points + 0% APR first 12 months + 10.99% fixed.

great customer support + fraud protection.

I have an Amex Blue as well. It's the only one I use really.

 

[Spooner]

I just got an offer from Chase Platinum MasterCard for 15 months of 0% purchases AND balance transfers!!!

9.7% after that!

beat THAT card!

 

[LOLyourFace]

Originally posted by: Spooner
I just got an offer from Chase Platinum MasterCard for 15 months of 0% purchases AND balance transfers!!!

9.7% after that!

beat THAT card!

omfg. I just got that today! I transferred $1300 from Amex so I can take advantage of that 0% APR + No balance transfer fee for 15 months!
I'll still be keeping my Amex though.

Strange.

 

[Yossarian]

Originally posted by: McPhreak
For anyone who doesn't carry a balance, I think Chase Mastercard's Stockback program is better than what Citibank can offer in terms of receiving cash back.

Do you have a link w/details? I think Discover's cashback is better than this Citibank deal both in terms of flexibility and how much you get back. Of course assuming you pay off in full each month. You can withdraw your cash back every time it goes to $20 or more, don't have to wait for it to accumulate to $100. Excellent customer service and online services (like one time disposable account numbers for online purchases).

 

[bolido2000]

AMEX Starwoods is the best if you take advantage of PM.

 

[The Dancing Peacock]

0 CC debt > * . You guys gotta pay off that debt, then it doesn't really matter what card you get, unless you're getting miles for purchases.

 

[bbkat]

Originally posted by: RossMAN
Repeat after me, Amex, PriceLine and Staples is suck.

Why is suck?

Because Ross says so.

In Russia ...

But who beats AMEX Gold BVG? Sure I pay $75 annual fee, but I should max out at $1,000 in pricematching.

 

[LOLyourFace]

Originally posted by: bbkat

Originally posted by: RossMAN
Repeat after me, Amex, PriceLine and Staples is suck.

Why is suck?

Because Ross says so.

In Russia ...

But who beats AMEX Gold BVG? Sure I pay $75 annual fee, but I should max out at $1,000 in pricematching.

$75 annual fee? bahahhahha!

 

[McPhreak]

Originally posted by: PipBoy

Originally posted by: McPhreak
For anyone who doesn't carry a balance, I think Chase Mastercard's Stockback program is better than what Citibank can offer in terms of receiving cash back.

Do you have a link w/details? I think Discover's cashback is better than this Citibank deal both in terms of flexibility and how much you get back. Of course assuming you pay off in full each month. You can withdraw your cash back every time it goes to $20 or more, don't have to wait for it to accumulate to $100. Excellent customer service and online services (like one time disposable account numbers for online purchases).

Stockback>Discover

Bascially, you get 1% back on all purchases you make, and for online and B&M stores like J Crew, Dell, BR, Buy.com, Old Navy, Gap etc. you get anywhere up to like 5% back on those. Plus, you can actually purchase Gift certificates (online or B&M) for a lot of stores for 4% off right before you go shopping.

 

[Yossarian]

Thanks I'll have to check that out.

 

[bbkat]

Originally posted by: LOLyourFace

$75 annual fee? bahahhahha!

umm, what part of paying $75 to get back $1,000 amuses you?

 

[Wduaqnug]

I had bad experience with Citibank & Discover , Amex and other banks MC and VISA no problems

 

[KingNothing]

I thought you were posting some type of slipperly slope, like they talk about with drugs.

Marijuana > Cocaine > Heroin

 

[Antoneo]

nm

 

[PAB]

Originally posted by: LOLyourFace

Originally posted by: bbkat

Originally posted by: RossMAN
Repeat after me, Amex, PriceLine and Staples is suck.

Why is suck?

Because Ross says so.

In Russia ...

But who beats AMEX Gold BVG? Sure I pay $75 annual fee, but I should max out at $1,000 in pricematching.

$75 annual fee? bahahhahha!

The smart ferengi dosent even pay the $75 annual fee and cashes in on $1000 in BVG money anyways.

Its my annual christmas present to myself . I also use all their other insurance programs too. BGV is one of their most popularized, however many do not realize the other coverages present.

-PAB

 

[bbkat]

Originally posted by: PAB
The smart ferengi dosent even pay the $75 annual fee and cashes in on $1000 in BVG money anyways.

-PAB

Are you referring to the "I-wanna-cancel/we-wanna-retain-you-so-we'll-waive-the-fee-this-year" clause?

Help us 'not-so-smart' (yet proper spelling) amatuers

 

[Imported]

citi.you

How good is that card? Also, it's a VISA right? o.o

 

[Parrotheader]

Originally posted by: The Dancing Peacock
0 CC debt > * . You guys gotta pay off that debt, then it doesn't really matter what card you get, unless you're getting miles for purchases.

I agree. We're by no means even close to wealthy, but we always make sure to pay ours off in full every month even if it means dipping into savings. And I don't know about you, but I HATE dipping into savings because I like to see my REAL savings numbers grow so I don't get some false sense of net worth while credit card debt steadily climbs outpacing my savings growth. And it really makes you reevaluate your spending habits if you're constantly dipping into it to pay off your credit card. We opted for the Marriott Rewards Visa as our primary (and pretty much ONLY) credit card outside our debit card since it gives us points toward something that's not usually first on our priority list of things to save for. Cash back seemed attractive at first, but you end up finding yourself spending a fortune just so you can get anything remotely significant back. I'd rather just not spend that much money to begin with and instead steadily be building up for a free vacation without thinking about it. I also have an American Express that I use for business expenses, but rarely use that for personal expenses.