- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
Amex rewards suck. They're offering 1% or less cashback and the tiered scenario on Blue Cash, which I have, is BS. Why make it so complicated.
The Fidelity Amex I have through B of A (not a REAL Amex card; just uses their network) pays 2% back on everything, no tiers, no limits, no annual fee. The web interface is extremely plain and straight-forward. It's the old MBNA interface that they used for their affinity cards (B of A bought MBNA several years ago). The thing I like best about it is transactions appear immediately as pending. On all the other sites I've used it takes a day or days before you can see the individual transactions with merchant name and amount.
The customer service from B of A for the Fidelity card also has been excellent. Remember, the card is branded "Fidelity," which doesn't want it's customer's getting pissed off, so B of A has to be on its toes if it wants to continue to offer the Fidelity-branded card.
I did have an issue with the card shortly after opening account with my rewards getting transferred. First call to B of A got me a some idiot in a call center in Singapore. They told me to call Fidelity. When I did they set up a three-way call with a U.S. rep from B of A, someone from Fidelity and myself. It was a stupid problem that shouldn't have happened in the first place, but they bent over backwards to fix it. I was frankly blown away by how much trouble they went to.
My job has absolutely nothing to do with anyone in the credit card industry, btw. If Amex weren't so stingy, I might consider them. However, I've had worse experience with their customer service than I've had with the Fidelity card or with Chase or Citi, for that matter.
As for CapOne, the ONLY reason to keep CapOne card is no fee for transactions in foreign currency.
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.