VattenÃ© wrote:I don't have any sort of relationship with Bank of America (so I can't speak to customer service or anything like that), but I would seriously be looking at their Better Balance Rewards card for myself if I wasn't currently trying to position myself for a mortgage application. You get a $25 statement credit for each quarter you make more-than-minimum payments on time ($30 if you're willing to also open a bank account). I haven't combed through the fine print for any catches, but I do know you have to make charges and have positive balances each billing cycle to get the bonus. Assuming no catches, though, I'd think best-case scenario would be putting as little spending as possible through (e.g. using it exclusively for a netflix subscription) and PIF every month, and get a free $100 per year.
Just doing Netflix won't work. You have to pay MORE than the minimum due. I believe if the statement balance is below either $25 or $35 you have to pay in full.
Too bad that idea won't work because we could all get free Netflix!
I also will be one to say go with Discover. I'm pleased with them 98% of the time.