Can you negotiate for better cash back?

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Joined: Fri Jun 28, 2013 1:59 am
Location: WA

Can you negotiate for better cash back?

Postby kalolek » Fri Jun 28, 2013 2:01 am


In Europe it's quite popular to go to bank and tell them to cancel your credit card in order to get better conditions (higher cashback, lower annual fees etc).

Is it possible in US too? I mean, if someone goes to the bank and tell them he wants to cancel credit card, will they do it immediately or try to convince him to stay with that card by giving him better deal?

Has anyone do it? What bank was it and what kind of "deal" were you able to get?


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

Postby RewardHop » Sun Jul 07, 2013 12:30 am

The answer is No. You won't be able to do that.

Now if you get charged a fee such as Insufficient Funds or Monthly Maintenance fee (because your account balance dropped below the $xxxx.. minimum), it is certainly possible to call them after it happens ask for it to be waived as a courtesy. But to get higher rewards, its not possible.

Now, most credit cards don't charge an annual fee in the US, so thats good news for you. Theres many many good CCs without annual fees.
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,
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]

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