01-20-2013 02:05 AM
Amazon is a bookstore (4% back on Citi Forward with shop with points on Amazon). Amazon sells electronics. Thus, electronics bought on Amazon get a whopping 4% cashback. But I'd rather use my Capital One Cash Rewards Visa Signature (1.5% cashback) or even my Costco TrueEarnings American Express (1% cashback) and gain 90 days free breakage warranty (I'll use the Amex due to easier claims if I think damage is very likely like a cell phone). 2.5-3% is a cheap price to pay for 90 days of accidental damage insurance and a better extended warranty program.
What are the differences? Here's what the stock Forward (non-Siggy) gives you:
The terms of the original manufacturers' U.S. warranties (three year or less) may be extended up to one additional year on most items purchased on your card.
Retail Purchase Protection
Most items purchased with your Citi Card are eligible for protection against theft, fire or accidental breakage of up to $500 for up to 90 days from the date of purchase.
In that case, I guess there really isn't a difference, thanks!
01-20-2013 06:31 AM
Yes, I really think that there are few additional things that come with a signature, things like the concierge, some "special event" tickets and things like Fandango.
The "official" table is here: http://usa.visa.com/personal/cards/benefits/index.
So Sig cards HAVE to offer these benefits, but in fact many/most non-signature cards, including the Forward. do offer many. Some of the benefits used to be on Gold then Platinum cards. I'm pretty sure my CAp One Plats had similar things.
Another sig benefit mentioned on this forum recently is auto rental CDW coverage, but the chart shows that that is a benefit on ALL Visas!
01-21-2013 12:11 AM
Concierge doesn't matter to me since I already have it on Capital One. I guess I won't be so hesitant to spend money on my Citi Forward card on Amazon now Thanks!
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