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      05-09-2011, 05:23 PM   #1
chinoxs203
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Credit Cards

after receiving a letter in the mail today that i will now have a 29.99% penalty charge on one of my CCs i am looking to switch to one with rewards. I know i wont be late as i never have and my credit is great, very high 700s. this is what i needed to to start looking for a new card with rewards since both of mine don't and i have been lazy to sift through the thousands of different ones. I am currently remodeling the house i just bought and have more $$ on this CC then i have ever had so i assume this is the reason they want to rape me. well fuck em, im out. but i may keep it around since my apr is 9.24

what cards do you guys have or recommend with rewards. If you have had a bad experience with one, please share. 0.00 apr on transfers would be sweet
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      05-09-2011, 05:32 PM   #2
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Capital One and Discover.
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      05-09-2011, 05:32 PM   #3
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Most of them are changing to high penalty APRs, I have a card with a balance of $450 out of $7000 and they sent the same letter you got last week.

I've started using my AMEX Gold for everything, granted it's not a revolving line of credit (full pay off required each month), but it seems to have the best rewards and the best discounts on hotels/travel etc. It's 1 point per dollar, so it adds up fast. If you get the premier rewards you get 3x for airfare, 2x for gas I think, and 1x for all other purchases. Higher annual fee, but better perks.

I started typing out all of the cards I have just now and it's depressing. brb suicide. I have like 9 credit cards. wtf.


I am pretty happy with first national, first they bumped my rate by 2% and I bitched at them, then moved the funds off of the card.. They sent me a 7.99% lifetime APR, no fee on a balance transfer offer. Pretty good deal I guess.

Keep in mind when you do a balance transfer that amount generally doesn't count as rewards so you won't benefit from that portion of it.

Discover is a bunch of idiots, I've never had one but they offer me one once or twice a month, I've tried to accept their offers twice now in the past few years and they say oh sorry.. then 3 days later they let me know i'm approved. Idiots.
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      05-09-2011, 05:42 PM   #4
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there have been several threads about this topic recently. search.
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      05-09-2011, 06:00 PM   #5
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Quote:
Originally Posted by Blake View Post
there have been several threads about this topic recently. search.
a screenie from 40min ago. gotta thank history

ns ago

my middle name is search
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      05-09-2011, 06:21 PM   #6
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http://e90post.com/forums/showthread...credit+rewards

tons of info and rewards from different cards throughout the thread. I think you may have missed this one
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      05-09-2011, 06:24 PM   #7
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creditboards.com has the best info on this stuff

there are some cards like the costco amex and some reward cards from credit unions that are pretty good
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      05-09-2011, 06:28 PM   #8
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'11 BMW F25  [0.00]
chances are that whatever car you get now, will carry 24.99% APR or more. this one dude got a card at 79.9% ARP. lol

http://www.nbcsandiego.com/the-scene...-64173667.html
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      05-09-2011, 08:17 PM   #9
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go discover, end of story
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      05-09-2011, 08:19 PM   #10
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Quote:
Originally Posted by FStop7 View Post
creditboards.com has the best info on this stuff

there are some cards like the costco amex and some reward cards from credit unions that are pretty good
Woah!! Nice link, I got a lot of reading to do.

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      05-10-2011, 12:42 AM   #11
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Yeah CB is pretty good for info on what the best rewards programs are. Mostly it depends on how much you spend and if you want cash, miles, or points.
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      05-10-2011, 12:47 AM   #12
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Go Black.

http://blogs.forbes.com/stevenberton...enturion-card/
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      05-10-2011, 01:22 AM   #13
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Saw one the other day in Macau when I had drinks with the 2nd richest man in Ireland.



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      05-10-2011, 01:30 AM   #14
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pfft
every perk with that card is expensive.. I can get better deals if I look for it
I've browsed through their "exclusive" magazine a few times... I know 5 people that have the card..
the concierge service is useless and expensive... you're better off buying a Vertu.. they have a better concierge service
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      05-10-2011, 12:30 PM   #15
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Chase Sapphire. Best no-fee CC
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      05-10-2011, 05:50 PM   #16
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Quote:
Originally Posted by abisson View Post
Saw one the other day in Macau when I had drinks with the 2nd richest man in Ireland.



True Story.
Did he let you hold it?
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      05-10-2011, 06:31 PM   #17
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Thanka for some ideas. I will look around.

As for the black card my buddies friend has one and lets say his bach party in vegas Was something I will never forget. No lines, anything u wanted. Tables everynight. Fuckin rockstar with that thing.
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      05-12-2011, 03:13 PM   #18
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Quote:
Originally Posted by carogers86 View Post
Chase Sapphire. Best no-fee CC
+1

i see those Amex black card on a weekly basis... its pretty baller...
VISA also have their own black card out but seriously... paying $7500 just to be a member to have their card is a little crazy if your not a millionaire...
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      05-12-2011, 03:39 PM   #19
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Chase Sapphire. Best no-fee CC
They were sending me like two offers a week in mail!

I was quite annoyed and let them know it.
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