05-08-2008, 08:40 PM
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#1 |
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Lieutenant Commander
  Join Date: Dec 2002
Posts: 824
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NSS: Credit card rewards
I never really looked into the credit card rewards my bank offers till last night. I dug around the website and found out I have almost $800 in reward credits accrued over the past few years. Schwing! And they have an amazing amount of good quality, name-brand stuff, probably close to a 1000 items across a couple dozen categories. At the very least I could just get $800 in Visa gift cards. It's like Christmas, Easter and my birthday all rolled up in one.
This stuff wasn't really advertised much, so kind of a fluke I was clicking around and found out. Check to see if your bank offers a rewards program. A lot of them charge fees, so beware, but if you charge a lot of stuff it may still be worth it. |
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05-08-2008, 09:37 PM
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#2 |
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Rear Admiral Lower Half
 
Join Date: Jun 2007
Location: With Me, Myself, and I...wondering why we can't get along!
Posts: 2,583
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Congrats, unexpected funds are always nice.
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05-08-2008, 10:09 PM
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#3 |
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Rear Admiral Upper Half
Join Date: Sep 2000
Location: Working....and working...and working some more
Posts: 3,573
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I just got 300 dollars off of mine.
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potato gun + marshmallow gun = FLAMING MARSHMALLOWS OF DOOM!!!!! -Welfareloser 4/13/05 Time to switch to AMD now I guess... (just kidding... ) -Darkfury 5/23/05 I don't think this'll stop anything though - the better you idiot-proof a system, the more impressive the idiot becomes. -ShawnLee 5/30/08 |
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05-09-2008, 05:59 AM
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#4 |
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Fleet Admiral
Join Date: Mar 2000
Location: Michigan
Posts: 9,390
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Nice find!
I usually acrue anywhere from $200-300 worth of membership rewards goodies per year from Amex. Of course, it'll probably be about $1000 worth this year since all of my gas purchases go on the Amex....  |
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05-10-2008, 04:58 PM
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#5 |
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Rear Admiral Upper Half
Join Date: Feb 2004
Location: San Diego
Posts: 3,388
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Niiiice. I've been wanting to do this but it seems like it's so hard to find a card that is actually worth it.
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05-11-2008, 01:09 AM
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#6 |
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Lieutenant Commander
Join Date: Dec 2002
Posts: 824
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Definitely shop around and review your annual charges. I see some cards offer 2-3% back, but most charge an annual fee of $50-100 for the card or the rewards program. I'm only getting 1.67% back on my Visa, but no fee.
I've been looking at Amex--I could get a free card through Costco and then I could get a rebate on all my Costco shopping, including gasoline (3% back). They don't take Visa or MC. It's nice that it's actually cash back, not credit toward a purchase. My only hangup is I don't want to impact my FICO by getting yet another credit card. I would probably get $150 back each year from Costco alone, maybe more with how fast the prices of food and gas are rising. |
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05-11-2008, 10:14 AM
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#7 |
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What's Da Pho*?
 
Join Date: Aug 2001
Location: SoCal (714)
Posts: 13,296
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Mine is credited at the end of the month.
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