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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]

1,081 Comments

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#61
Quote from 10101133 View Post :

And if I get the Citi MtvU card, what happens to it once I graduate? Do I keep all the same benefits?
I've actually been wondering about this too... I have a student Discover, but I'm no longer a student. I haven't noticed any changes in anything, though. I know I can't sign up for a student card anymore, but past that...

Ideas anyone?
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#62
do you guys think the citifoward card would be affected?
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#63
Quote from chani View Post :
I've actually been wondering about this too... I have a student Discover, but I'm no longer a student. I haven't noticed any changes in anything, though. I know I can't sign up for a student card anymore, but past that...

Ideas anyone?
I wouldn't expect any changes to the card. As someone pointed out, sometimes a student card just has a different APR.
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#64
Quote from 2cheap4retail View Post :
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?
Of my 3 cards, the only one that currently generates numbers for online shopping is my Discover Open Road, though I think all Disc cards do this.
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#65
a site that has been helpful to me in this search is nerdwallet.com (not to be confused with FW, trust me I wouldn't link to them). Good search with lots of reviews of cards, with user comments as well. Found out things that weren't obvious on other sites, like that the AmEx Blue Cash only pays out once a year ....
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#66
the virgin card is a 6 month introductory rate not a 12 month introductory rate

see terms and conditions:
https://www.barclaycardus.com/app...CCVVS23184


The Barclays Coast to Coast has a 3% fee up to $75 for the first 12 months of balance transfers not 4%

https://www.barclaycardus.com/app...CCVVS24296
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#67
Quote from tompai View Post :
the virgin card is a 6 month introductory rate not a 12 month introductory rate

see terms and conditions:
https://www.barclaycardus.com/app...CCVVS23184


The Barclays Coast to Coast has a 3% fee up to $75 for the first 12 months of balance transfers not 4%

https://www.barclaycardus.com/app...CCVVS24296
Fixed, thank you.
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#68
Quote from 10101133 View Post :
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?
The citi MtvU or Discover Student card are probably your best options. You should be able to keep using either after you graduate, although you obviously can't get the good grades bonus through the MtvU card (since you will no longer have report cards/transcripts)
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#69
Quote from thelnel52 View Post :
Fixed, thank you.
Thanks, I applied for the Barclays with a balance transfer of 4.5k. I'll see how it goes. I tried applying for the Chase OptionsXpress but the application has been down for the past 2 weeks. Not sure if it is dead or not.
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#70
Here's another card to consider, though it only really applies to those who own or are thinking of purchasing a Subaru. The Subaru Rewards Card from Chase. 3% back on all purchases up to a $500 annual cap. Can be used towards Subaru Parts & Services or the purchase of a new or certified pre-owned Subaru.

http://www.firstusa.com/cgi-bin/w...&mkid=6w55
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#71
QUESTION: Does anyone have the Chase Continental Airlines World MasterCard??

I have a question regarding the waiver of the 1st check-in baggage.

http://www.continental.com/web/en...sebag.aspx

Now this part is clear to me:
Quote :
Continental Airlines Chase primary cardmembers get their first checked-bag fees automatically waived (a savings of $50 per round trip per passenger checking bags).
However this part is interesting:
Quote :
Customers traveling with the primary cardmember will also get their applicable baggage fees waived if they are listed in the same reservation and check in at the same time. This exemption will not apply to group reservations including 10 or more customers.
Does that mean that if I am the primary cardmember and book a trip for my wife and I, then as long as she accompanies me at check-in time, her first check-in will be free as well?

Thanks in advance.






Quote from roksax View Post :
Here's another card to consider, though it only really applies to those who own or are thinking of purchasing a Subaru. The Subaru Rewards Card from Chase. 3% back on all purchases up to a $500 annual cap. Can be used towards Subaru Parts & Services or the purchase of a new or certified pre-owned Subaru.

http://www.firstusa.com/cgi-bin/w...&mkid=6w55
I used to have that... pretty good card. If all else fails, you can sell your Subaru Bucks on the subie forums like NASIOC.com for 75 cents on the dollar.
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#72
Quote from pschoultz View Post :
a site that has been helpful to me in this search is nerdwallet.com (not to be confused with FW, trust me I wouldn't link to them). Good search with lots of reviews of cards, with user comments as well. Found out things that weren't obvious on other sites, like that the AmEx Blue Cash only pays out once a year ....
Thanks for the referral to nerdwallet. I took a look, and it seems to have lots of good info!
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#73
Quote from InfamousDX View Post :
I used to have that... pretty good card. If all else fails, you can sell your Subaru Bucks on the subie forums like NASIOC.com for 75 cents on the dollar.
I think in the past people used to get away with that, but now, since they print your name and info on the reward certificate it'd be a lot harder to do, plus they say it's void if used by anyone besides the cardholder.
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#74
Quote from roksax View Post :
I think in the past people used to get away with that, but now, since they print your name and info on the reward certificate it'd be a lot harder to do, plus they say it's void if used by anyone besides the cardholder.
True... although there are several dealers that will accept the Bucks in someone else's name.
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#75
Just heard about this card....

Quote :
PenFed's Premium Travel Rewards American Express(R) Card Trumps Status Quo by Removing Foreign Transaction Fee

2:27p ET March 16, 2010 (Market Wire)

Pentagon Federal Credit Union (PenFed) today announced that all foreign transaction fees will be removed from the PenFed Premium Travel Rewards American Express(R) Card. The Premium Travel Rewards Card is accepted on American Express' global merchant network, making this offer an appealing incentive for international travelers.

"People who frequently travel are familiar with the painful 3% and 4% foreign transaction fees currently in the marketplace," noted Nicole Butler, Vice President of Card Services and Business Development, PenFed. "Our Premium Travel Rewards Card is one of the best in the marketplace and we have just made it even better by providing all of the conveniences and none of the hassles. In addition, many of our members are in the military. They frequently travel around the globe and many are based in foreign countries. By removing the foreign transaction fee from this product, we not only provide them with an added convenience, but we provide them an additional opportunity to save money while away from home."

The Premium Travel Rewards Card earns rewards at the best rate within PenFed's credit card portfolio, and is one of the most rewarding products in the marketplace today. The Card offers a combination of earn rates across air, hotel and dining categories, with no caps or limits on the amount of points a Cardmember can earn. Cardmembers can earn 5 points for every $1 spent on Airfare, 1 point for every $1 spent on all other purchases. And, until December 31, 2010, Cardmembers earn 3 points for every $1 spent on hotels and dining.

"We have a world-class travel credit card, and removing the foreign transaction fee only provides a more compelling reason for the frequent traveler to not leave home without the PenFed Premium Travel Rewards Card," stated Butler.

For more information about Pentagon Federal Credit Union and to apply for the PenFed Premium Travel Rewards American Express Card, visit www.penfed.org/amex or call 800-732-8268.

About Pentagon Federal Credit Union

Pentagon Federal Credit Union, established in 1935, has more than 950,000 members and assets in excess of $14.5 billion, and provides worldwide service to Army, Air Force, Coast Guard, Department of Defense, and Department of Homeland Security personnel; members of the VFW; employees or volunteers of the American Red Cross; and others in the defense community and their families.
May be good for those of you who travel internationally a lot
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