Dividend rewards unimpressive

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
cashback
Centurion Member
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Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Wed Jan 02, 2013 9:48 am

Randiesel75 wrote:Are the 2013 categories listed anywhere, yet?


Just the first quarter.. Zappos.com, fitness clubs, and drug stores. Fitness clubs is nice if you can pay for a whole year and drug stores have a very nice selection of gift cards. So if your BCP is capped now, then I'd spend 6K over the next 3 months on gift cards at drugstores.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781


Randiesel75
Platinum Member
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Posts: 84
Joined: Thu Dec 27, 2012 8:43 pm
Location: Clark, NJ

Postby Randiesel75 » Wed Jan 02, 2013 9:58 am

cashback wrote:Just the first quarter.. Zappos.com, fitness clubs, and drug stores. Fitness clubs is nice if you can pay for a whole year and drug stores have a very nice selection of gift cards. So if your BCP is capped now, then I'd spend 6K over the next 3 months on gift cards at drugstores.


I'm very new to the rewards concept. Is this par for the course or do most creditors typically provide full transparency into the calendar year on what cashback offers are being offered?

cashback
Centurion Member
Centurion Member
 
Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Wed Jan 02, 2013 10:04 am

Randiesel75 wrote:I'm very new to the rewards concept. Is this par for the course or do most creditors typically provide full transparency into the calendar year on what cashback offers are being offered?


It just depends on the company. Chase issued full 2013 rewards while Discover/Citi have only released the first quarter.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

RewardHop
Centurion Member
Centurion Member
 
Posts: 307
Joined: Wed Jan 02, 2013 3:43 pm
Location: USA

Postby RewardHop » Wed Jan 02, 2013 3:46 pm

Thanks for the tip! I called in and had them pc me to Citi Forward card.
[size=60]
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]

nishant
Centurion Member
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Posts: 120
Joined: Wed Dec 19, 2012 10:07 am
Location: Chicago

Postby nishant » Sat Jan 05, 2013 12:00 pm

I donot like to buy things from Drug stores just to get 5% cash back with exception of essential items which are not available in discount stores.
The whole idea is to buy items at lowest possible price and not just 5% cashback. Drug stores prices even after 5% cash back work out to be expensive than no reward other warehouse store prices.

RewardHop
Centurion Member
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Posts: 307
Joined: Wed Jan 02, 2013 3:43 pm
Location: USA

Postby RewardHop » Sat Jan 05, 2013 1:37 pm

nishant wrote:I donot like to buy things from Drug stores just to get 5% cash back with exception of essential items which are not available in discount stores.
The whole idea is to buy items at lowest possible price and not just 5% cashback. Drug stores prices even after 5% cash back work out to be expensive than no reward other warehouse store prices.


I think what some members on here do is buy gift cards from drug stores to places they would already shop at. Like if you got gas from Shell and your drug store sells Shell gift cards, that 5% is very good.
[size=60]

Amex BCE: 3% grocery, 2% gas

Bank of America Better Balance Rewards MC: $25/quarter bonus

Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities

Capital One Quicksilver Visa Signature: 1.5% everything

Chase Freedom Visa Signature: 5% rotating

Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com

Discover It: 5% rotating

SallieMae MC: 5% Groceries, Gas, Amazon

US Bank Cash+ Visa Signature: 5% electronic stores, restaurants

Sock Drawered: Chase Sapphire, Chase Amazon[/size]

FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Sat Jan 05, 2013 2:52 pm

RewardHop wrote:I think what some members on here do is buy gift cards from drug stores to places they would already shop at. Like if you got gas from Shell and your drug store sells Shell gift cards, that 5% is very good.


Ding ding ding.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

cashback
Centurion Member
Centurion Member
 
Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Sat Jan 05, 2013 8:44 pm

nishant wrote:I donot like to buy things from Drug stores just to get 5% cash back with exception of essential items which are not available in discount stores.
The whole idea is to buy items at lowest possible price and not just 5% cashback. Drug stores prices even after 5% cash back work out to be expensive than no reward other warehouse store prices.


Right. And Citi letting you spend all 6K on one category is awesome. As opposed to Chase/Discover which is capped at $1500 per quarter.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

cashback
Centurion Member
Centurion Member
 
Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Sun Jan 06, 2013 4:08 pm

I just applied and got approved for the Dividend and Freedom for the drugstore category. My local Walgreens has a huge supply of gift cards and my local grocery stores seem to have stopped selling $500 Visa/Amex/MC cards :-/. Which makes my BCP only good for actual groceries lol. Darn....
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

deacc
 
Posts: 2
Joined: Thu Jan 17, 2013 9:27 am
Location: US

Postby deacc » Thu Jan 17, 2013 9:33 am

Just got this in email

5% Cash Back on Eligible Retail Purchases!
Earn 5% cash back on retail purchases at electronics and computer, clothing and accessory, toy and department stores, through 03/31/13!*



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