Comments on: Choose your credit card rebates wisely!

By: Credit Cards PI

Credit Cards PI — Wed, 16 May 2007 14:58:12 +0000

There's lots of ways to take advantage of credit cards. Unfortuntely, it's usually consumers who loose out! Luckily, for savvy individuals (like yourself!)-- credit card companies continue to offer 0% intro APR and reward credit cards. As long as you use these credit cards wisely, you can earn many benefits (and save lots of $$$!). Best Low APR Credit Cards >

By: Credit Card Analyst

Credit Card Analyst — Sat, 30 Sep 2006 15:37:46 +0000

I built a tool to makes cash back credit card analysis and selection process pretty easy. It does the multi-card analysis too (i.e. what are the best combinations of 2 cards, 3 cards, etc. for your spending pattern). Given your spending in various categories (gas, restaurant, utilities, etc.), the tool calculates the expected cash back reward for the leading cash back cards and also for the best 2-card combination, 3-card combination, etc. for your spending profile. I made the tool available for free at Credit Card Tune-Up: Maximize Your Cash Back Rewards (www.CreditCardTuneUp.com).

By: ASAP Credit Card

ASAP Credit Card — Wed, 05 Oct 2005 15:00:43 +0000

Instead of letting the credit card company take advantage of you... take advantage of the credit card company! While many people get sucked into over-spending because of special bonuses and other "tactics", if you use these credit card offers wisely, you can save a ton money and earn a variety of benefits. Probably the most tempting offers made by credit card companies are 0% APR credit cards. While many people look at 0% as being FREE MONEY and get further into debt, if you're smart with these offers, you could save a ton on interest charges and pay off your debt more quickly. If you keep your spending under control, these cards can be a great way to save! People also get sucked into higher interest rates by applying for reward credit cards (described above). Because these offers normally have higher rates than standard credit cards, many times the "rewards" don't outweigh the increased interest charges. But if you only use these offers for SHORT-TERM purchases you can pay off quickly, you'll be earning great benefits such as airline miles, cash back, rebates, free gasoline and more! With banks and lending institutions, if you play your cards right... you can be the winner! Use their special bonuses and rewards to benefit you... not them!

By: Sarah

Sarah — Fri, 26 Aug 2005 17:12:43 +0000

Heh, for a second there I was really confused… until I realized that I actually applied for the Chase Cash Plus one, NOT the PerfectCard. I had both windows open at once while I was comparing them, and didn’t pay any attention to the names. I did read all the fine print, though, and it sounded acceptable. Thanks again!

By: mbhunter

mbhunter — Fri, 26 Aug 2005 15:48:48 +0000

(Disclaimer: Information may be subject to change. Check offers for current information and details! This information is believed to be in the spirit of the Chase offers, and it may be taken down at the discretion of the webmaster.)

The Chase PerfectCard(TM) gives 1% back on groceries — 3% on gas after the 6% intro period rebate. The other one, Chase Cash Plus(R) Rewards Visa, gives the 5% on groceries. As for what counts as a grocery store, I’m afraid that’s up to Chase. Be sure to read all of the fine print with your credit card agreement. There is also an annual rebate “cap” at 30,000 points ($300) for the Cash Plus Visa. There is no cap for the PerfectCard as far as I know.

The PerfectCard has been great with me, though. We’ve used it for two years. The rebates are credited toward your next bill with the PerfectCard.

Just wanted to make sure you knew what you were going to get! My apologies for any confusion.

By: Sarah

Sarah — Fri, 26 Aug 2005 15:25:28 +0000

Thanks for the tip. We typically only carry one credit card, but I like the idea of 5% back. I went ahead and applied for the Chase PerfectCard. Since we currently use the Amazon Visa (BandOne/Chase), I think we’ll be able to manage them both using the same interface, which helps with convenience. My only concern is if they’ll count the groceries we buy at Super Wal-Mart as “grocery store” purchases.