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Credit Card Thread

thelnel52 2,440 February 12, 2010 at 01:22 PM
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BALANCE TRANSFER CARDS
Card Name Duration of 0% Fee Cap Link
Virgin America Visa Signature Card 6 months 3% $50 Link [virginamericavisa.com]
Escape by Discover Card 6 months 3% Uncapped Link [creditkarma.com]
Discover More Card 18 months 4% Uncapped Link [creditkarma.com]
Citi Forward Card 12 months 3% Uncapped Link [citicards.com]
HSBC GM Flexible Earnings Card 12 months 3% Uncapped Link [hsbcapply.com]
Barclays Coast to Coast 12 months 3% $75 Link [coastresortscard.com]
Chase Freedom MC 12 months 5% Uncapped Link
Chase Freedom Visa 12 months 5% Uncapped Link
Slate from Chase Visa 15 months 3% Uncapped Link



LOW APR CARDS
Card Name Duration of 0% APR Regular APR Link
Escape by Discover Card 6 months 10.99-15.99% variable** Link [creditkarma.com]
Miles by Discover Card 6 months 10.99-15.99% variable** Link [creditkarma.com]
Chase Freedom MC 6 months 12.99-22.99% variable** Link
Chase Freedom Visa 6 months 12.99-22.99% variable** Link
TrueEarnings Card from Costco and American Express 6 months 15.24% (prime rate + 11.99%) Link [americanexpress.com]
Citi Forward Card 7 months 12.99-19.99% variable Link [citiforward.com]
Discover Student Card 9 months 12.99-19.99% variable Link [creditkarma.com]
Discover Open Road Card 12 months 11.99-19.99% variable** Link [creditkarma.com]
Capital One Orbitz Visa Platinum 12 months (March 2012) 13.9-19.9% variable Link [capitalone.com]
Citi Platinum Select MasterCard 12 months 11.99-19.99** Link [citicards.com]
Slate from Chase 15 months 11.99-21.99% variable** Link
** APR depends on credit score


HIGH REWARDS

Card Name Rewards Link
Discover Student Card 5% CB on certain categories (rotates monthly, must manually sign up online); .25% CB on everything else, 1% when you reach $3000 Link [creditkarma.com]
Citi Forward Card Points redeemable for gift cards; 5 points/dollar for entertainment, 1 point/dollar for other purchases, 6000 points for spending $250 within first 3 months Link [citiforward.com]
AmEx Plum Card 1.5% discount for prompt payment OR 2 months with no interest Link
Discover More Card 5% CB on certain categories (rotates monthly, must manually sign up online); .25% CB on everything else, 1% when you reach $3000 Link [creditkarma.com]
AmEx Blue Card 3% cash back at supermarkets, 2% cash back at gas stations and department stores and 1% cash back on all other eligible purchases Link
Penfed Visa Platinum Cashback Rewards 5% on gas, 1% on everything else; must be Penfed member; second card on list Link [penfed.org]
Associated Bank Visa Signature Rewards Card 1% CB on everything, 1 point per dollar, 3 points per dollar on groceries, gas, drugstores Link [associatedbank.com]

1,085 Comments

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Joined Oct 2008
Da Bears!
568 Reputation
#46
Quote from brendo927 View Post :
I'm confused on what you are saying. You are looking for a new card and dont want to open a new card.
He just wants to convert his old card to a better one. This will not count as a new card and won't affect the credit score.
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Joined Aug 2008
L2: Beginner
48 Reputation
#47
Quote from Sportsaholic View Post :
Any one know if Schwab brokerage one account offers free transfer of funds to an external account like ING?
Yes it is free
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Joined Nov 2004
L9: Master
457 Reputation
#48
Quote from Sportsaholic View Post :
He just wants to convert his old card to a better one. This will not count as a new card and won't affect the credit score.
Bingo.
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Joined Nov 2003
Slick...
264 Reputation
#49
Quote from thelnel52 View Post :
sdslick- I'll work on putting everything into a (unfortunately) non-sortable table... It's not perfect, but hopefully it will be easier for you guys to read.
Nice, new tables look much better.

Still don't know which card to get... Which of the cards listed give the most cashback without a yearly fee?

I currently have a BoA world points mastercard. Which gives 1% cashback if you spend enough, otherwise it is under 1%.
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Joined Nov 2003
Slick...
264 Reputation
#50
anyone have the Chase Sapphire card [chasesapphire.com]
It's a miles and cashback card without an annual fee. It has a lot of other stuff like rental car coverage.

Quote :
Credits begin at 2,500 points for $25.
You get 10,000 points for signing up so that is a free $100.

Then again, I already get 1% cash back. Need a card with over 1% cashback :/
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Joined Nov 2007
L5: Journeyman
101 Reputation
#51
Quote from sdslick View Post :
Nice, new tables look much better.

Still don't know which card to get... Which of the cards listed give the most cashback without a yearly fee?

I currently have a BoA world points mastercard. Which gives 1% cashback if you spend enough, otherwise it is under 1%.
I would assume that in the fairly near future, all the credit cards will begin charging an annual fee. Since they have the right (they think God-given, no doubt) to change any and all terms as long as they tell you in advance under the new rules, they will suck you in with "no annual fee" and in a few months you get your fee notice. When I see a credit card offer with "no annual fee ever" advertised, I'll go for it.
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Joined May 2007
chillin'
2,226 Reputation
#52
Quote from sdslick View Post :
Then again, I already get 1% cash back. Need a card with over 1% cashback :/
If you are a big spender, look at the Amex Blue Cash card. Once you spend $6500 on it, you get unlimited 5% CB on gas/grocery/drugstore purchases and 1.25% CB on everything else. Before that it's 1%/0.5%, respectively.
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Joined Dec 2006
L7: Teacher
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Original Poster
Staff
#53
Quote from sdslick View Post :
Nice, new tables look much better.

Still don't know which card to get... Which of the cards listed give the most cashback without a yearly fee?

I currently have a BoA world points mastercard. Which gives 1% cashback if you spend enough, otherwise it is under 1%.
I know that the consensus in the office right now is Schwab for most things, Penfed for gas. (and then a business card for business things) You could probably do a little better with some more focused cards, but in terms of effort and ease of management, that's a pretty good start.
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#54
Looking for a card with 0% on transfers.

Right off the bat, Citi Platinum Select MasterCard looks like the one for me. (maybe Discover)

Two quick questions:

Any chances in getting the transfer fee waived? Is it worth the effort? Any cards with no fee?

What are the 'caps'? Is this a 'cap' on how much you can pay down on your transfer?
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Joined Mar 2008
L7: Teacher
474 Reputation
#55
Chase slate I saw has a pre-approval for 0%.....U.S. bank has some good products.
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#56
Depends where you live, but Associated Bank has a Cash Rebate card for 5% on groceries, gas, and pharmacies, and 1% on everything else. I think there's limits to how much you can get per year, but no requirements or spending floors to get the bonuses. And no entry bonus first year shenanigans. It's also just straight cash. As soon as you get to at least $50, you just call them up and they send you a check.
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Joined Oct 2006
Mail-In Rebates SUK
2,194 Reputation
#57
i don't care much about rewards programs; not the most important thing to me.. just need a card with a fair rate, no annual fee, and easy web-based management of virtual/one-time-use card numbers for use when shopping online.

could be a personal card or a small business one.. doesn't matter.

any suggestions?
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Joined Jan 2004
L6: Expert
602 Reputation
#58
One of the few good things to come out of the new credit card laws:
Highest interest balances paid first: When consumers have accounts that carry different interest rates for different types of purchases (i.e., cash advances, regular purchases, balance transfers or ATM withdrawals), payments in excess of the minimum amount due must go to balances with higher interest rates first. Current industry practice is to apply all amounts over the minimum monthly payments to the lowest-interest balances first -- thus extending the time it takes to pay off higher-interest rate balances.

I have some money I need to transfer next month and am looking for 0% offers. I have been holding a sum of $10-20K(car loans etc) at 0% for about 5+ years always paying the minimum in absolutely no rush to pay it off since it is at 0% and I have other things to pay down like a 6% mortgage. Well I have 0-1% offers from a few different cards that I typically make monthly purchases on but never carry a balance. Well if I transfer some of my debt to these cards then I dont have to worry about paying off the 0% balance and leaving the balance of the purchases on there at 10-20% under the new laws.
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Joined Jan 2005
L4: Apprentice
303 Reputation
#59
Quote from Andyps88 View Post :
Citicard tried to change my intrest rate from 11.04 to 29.99 so balance transfer on them ain't gonna look good soon In the future.
I may be wrong, but I don't think they're allowed to change promotional rates with previously stated terms, and even if they do, you can always opt out of changes which just means they close your account and you pay it off like you would have anyway. This is assuming you're just signing up for a new card for the balance transfer offer.
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Joined Oct 2007
L2: Beginner
10 Reputation
#60
Any thoughts on the Amazon Rewards Visa from Chase? I'm a college student with just one CapitalOne Mastercard that does nothing for me... looking for a nice rewards card

And if I get the Citi MtvU card, what happens to it once I graduate? Do I keep all the same benefits?
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