- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
Dylan, some cc cos. will charge interest on balance retroactively if you do not complete full payment by end of bt period. This is important to understand up front. However, I think this kind of thing is more common with "zero interest" offers from retailers like furniture stores. I signed up for one of those but knew right from the start that interest would be applied back to purchase date if I didn't pay off the loan by the specified date. I paid off the loan a bit early. However, they're counting on a percentage of their customers not knowing about the retroactive interest and tripping up, of course.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.