- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
an instance where "0%" meant prime plus 0. In my experience it always means absolutely zero interst for a specified period of time as long as you pay at least the minimum always on time and abide by any other rules that might be lurking in the fine print. There always is a transaction fee, which often used to be capped at $50 and then $75. Now I think some of the caps have been lifted. The fee used to almost always be 3%; now I think some charge 5%. It's a lot different now from when I used to card surf. If you're going to do it the key is to read all the disclosures. When I would do it I would be sure to ask rep on the phone very specifically what all the fees, rates were, etc. Good luck.
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.