which "rewards" card should i use?

[sniperruff]

so i buy stuff everywhere... superkarket, gas, post office, amazon, etc etc.

so far i've ony use the AMEX Blue Cash since I've gotten that card longer (for about 6 months), and i've already got about $1.50 or so in rewards.

I've just gotten the Citi Dividend card about 2 months ago. I 've used that card at all so far. The only reason I applied for that card was because some places wouldn't take AMEX.

Which card has a better cash back policy? I know that amex blue isn't all that great... the cash back is actually more like 0.5% (i don't carry a balance)

i recall that for the citibank card you'd need like a $100 reward before they mail you a check or something? that would take about 10 years for me...

so is anyone familiar with both cards? 5% cash back and 0.5% makes a great difference in a year or so...

thanks in advance

 

[Taggart]

Originally posted by: sniperruff
Citi Dividend

:thumbsup:

I think they changed it to $50 when you can get a check.

 

[Blieb]

Originally posted by: Taggart

Originally posted by: sniperruff
Citi Dividend

:thumbsup:

I think they changed it to $50 when you can get a check.

They did ... it's 1% at some places 5% at others ...

 

[RossMAN]

Originally posted by: Blieb

Originally posted by: Taggart

Originally posted by: sniperruff
Citi Dividend

:thumbsup:

I think they changed it to $50 when you can get a check.

They did ... it's 1% at some places 5% at others ...

CiitBank > Amex Blue

 

[rh71]

DiscoverCard gives you 1% back (as long as you're over a certain $ per year). I just used it for $12k yesterday... $120 back yo... just for using it.

 

[Turkish]

Originally posted by: rh71
DiscoverCard gives you 1% back (as long as you're over a certain $ per year). I just used it for $12k yesterday... mad $ back yo... just for using it.

what'd you get?

 

[Storm]

Dividend is 5% on gas, supermarkets and pharmacy. One percent on other purchases.

Dont you have to meet certain spending requirements for Amex blue to ramp up in cash back %?

 

[Ketteringo]

Originally posted by: XietyCOM

Originally posted by: rh71
DiscoverCard gives you 1% back (as long as you're over a certain $ per year). I just used it for $12k yesterday... mad $ back yo... just for using it.

what'd you get?

Given the time of year, my guess is tuition

Edit: On the subject at hand, I have an AmEx blue cash and love it The rewards arent as great as Citi but I like AmEx better as a company. Some of that is because Citi rejected me for the Dividend card, even after they sent me a stupid pre-approved mailing. This was 6 months ago, so I might try and reapply this fall once I get another job

 

[sniperruff]

Originally posted by: Storm
Dividend is 5% on gas, supermarkets and pharmacy. One percent on other purchases.

Dont you have to meet certain spending requirements for Amex blue to ramp up in cash back %?

yes... you need to carry a balance otherwise it's 0.5% like i said.

i guess i'll start using the dividend card then...

 

[BigJ]

Originally posted by: Storm
Dividend is 5% on gas, supermarkets and pharmacy. One percent on other purchases.

Dont you have to meet certain spending requirements for Amex blue to ramp up in cash back %?

Which is why I love the Citi Dividend Platinum Select Card. And it's easy for people with little to no credit history to get.

 

[rh71]

Originally posted by: Ketteringo

Originally posted by: XietyCOM

Originally posted by: rh71
DiscoverCard gives you 1% back (as long as you're over a certain $ per year). I just used it for $12k yesterday... mad $ back yo... just for using it.

what'd you get?

Given the time of year, my guess is tuition

reception hall / food for my wedding. Put $5k on the card for a deposit a few months earlier. I love free money back.

 

[Storm]

Does anyone have any experience with Citi Diamond Preferred Rewards card?

I just got a free upgrade from my old Plat Select. I'm currently using my Dividend as my primary card.

According to the cs rep, its 1pt per $1, 5x the pts for gas,grocery, pharmacy....

You then use the pts for"rewards".

 

[Apex]

I have em both (blue cash and citi preferred cash).

I only use the citi for gas, supermarket, and drugstores. Use the AMEX for everything else.

The AMEX is better than the citi for everything except for those 3 places IF you spend a lot. Otherwise, just use the citi.

The Citi is 5% for gas, supermarkets, and drugstores, 1% for everything else.

The AMEX is up to 3% on their "everyday purchases":

Everyday purchases link

And up to 1.5% everywhere else (if you spend $6001+ annually). This is SEPARATE from carrying a balance, which is another .5% above and beyond the 1.5%:

more info on % tiers

One is not better than the other. Each has its own advantages and disadvantages depending on how much you spend and where.

Oh yeah, also, the Citi card is limited to $300 per year, which is pretty low (with regards to most cards).

 

[Turkish]

I have AMEX Delta Skymiles Platinium. Got ~30,000 since March thanks to triple miles at groceries, gas, drugstores, etc.

 

[welst10]

Chase perfect card is the best. Citi divident is close 2nd.

 

[Apex]

Originally posted by: welst10
Chase perfect card is the best. Citi divident is close 2nd.

Chase perfect, the one with 6% for gas in the first 90 days, then 3% the rest of the time, and 1% elsewhere (no additional for supermarkets and drugstores)? I admit, the lack of annual earning cap and monthly credit is nice, but the rest makes it merely competitive.

 

[welst10]

Originally posted by: Apex

Originally posted by: welst10
Chase perfect card is the best. Citi divident is close 2nd.

Chase perfect, the one with 6% for gas in the first 90 days, then 3% the rest of the time, and 1% elsewhere (no additional for supermarkets and drugstores)? I admit, the lack of annual earning cap and monthly credit is nice, but the rest makes it merely competitive.

The difference between Chase and citi cards is that you get the cash back every month on your next statement with chase while with Citi card they only mail the check to you once your cash reward reachs $100.

 

[Apex]

Originally posted by: welst10

Originally posted by: Apex

Originally posted by: welst10
Chase perfect card is the best. Citi divident is close 2nd.

Chase perfect, the one with 6% for gas in the first 90 days, then 3% the rest of the time, and 1% elsewhere (no additional for supermarkets and drugstores)? I admit, the lack of annual earning cap and monthly credit is nice, but the rest makes it merely competitive.

The difference between Chase and citi cards is that you get the cash back every month on your next statement with chase while with Citi card they only mail the check to you once your cash reward reachs $100.

Yeah, as stated above, it's a reasonably nice perk. However, unless you're going way over the $300 per year mark, the earning for Citibank is still better. Not only are you higher for gas, but you have supermarkets and drugstores too. Besides, if you're breaking the $300 mark, there's always the AMEX.

 

[Kaido]

I got the Citi Dividend Plat card the other day. I applied for the Amex Blue because I liked the one-year warranty extension, but got rejected because I had "insufficient credit" lol (ie I'd never had a credit card before and they wouldn't give me one because I didn't have any credit yet ). So anyway, my card says 5% cashback on food/drugs/gas, and 1% cashback on everything else. Sounds good to me!

 

[sniperruff]

Originally posted by: Apex
I have em both (blue cash and citi preferred cash).

I only use the citi for gas, supermarket, and drugstores. Use the AMEX for everything else.

The AMEX is better than the citi for everything except for those 3 places IF you spend a lot. Otherwise, just use the citi.

The Citi is 5% for gas, supermarkets, and drugstores, 1% for everything else.

The AMEX is up to 3% on their "everyday purchases":

Everyday purchases link

And up to 1.5% everywhere else (if you spend $6001+ annually). This is SEPARATE from carrying a balance, which is another .5% above and beyond the 1.5%:

more info on % tiers

One is not better than the other. Each has its own advantages and disadvantages depending on how much you spend and where.

Oh yeah, also, the Citi card is limited to $300 per year, which is pretty low (with regards to most cards).

thanks for the info. i'll probably start using my citi card... my estimate on stuff bought annually shouldn't exceed $3000...

 

[CombatChuk]

AMEX has that cool blue thing... that's why it's got my vote