what credit card is better – Chase Cash Plus® Rewards Visa® Card or Citi® Dividend Platinum Select® Card?
April 26th, 2009Clarification: I'm not carrying a balance. Looking strictly for rewards/value.
Tags: clarification, rewards
4 Responses to “what credit card is better – Chase Cash Plus® Rewards Visa® Card or Citi® Dividend Platinum Select® Card?”
April 26th, 2009 at 4:48 am
If you pay it off every month, and therefore rate doesn't matter and you're just looking for rewards, CITI is pretty good, as they give 5% on certain types of purchases. My wife and I do that with only those 5% purchases since they cap us at $300.00 per year cash back. Free money!
We then use Discover for everything else and get 1% back on those as well. Works especially great for big purchases for which we've already saved the money and can immediately pay off.
I don't know anything about Chase's cards though.
April 26th, 2009 at 4:48 am
the one with the lowest interest rate, I have had good rates with CAPITAL ONE.
April 26th, 2009 at 4:48 am
Look for low interest rate and no annual fees. Be very careful of those extra low beginning interest rates that then go really high. Look at what the rate will be after the introductory offer. Try not to use whatever card you choose for anything more than emergencies or purchases that you can pay off when the bill comes it.
April 26th, 2009 at 4:48 am
The one that has the things you want and use.
If you carry a balance – the lower interest rate will save you money – forget about points.
If you pay off in full each month, that is you DO NOT carry a balance, then interest rate is irrelevant, and the one with the most rewards, bonuses, gifts, etc.
Good luck!