02-06-2009 02:48 PM
So far this Schwab card is the only one I heard of that gives at least 2% cash back on everything:
You need a Schwab brokerage account to access the 2% cash back. Not sure if you need a Schwab brokerage account first before the 2% back starts accumulating
Any other cards out there?
Unfortunately there's not promo APR rate on purchases.
The optimal card I would be looking for would have 12 months 0% APR on purchases plus some kind of nice rewards program.
02-06-2009 04:01 PM
02-06-2009 04:33 PM - edited 02-06-2009 04:34 PM
so say you waited 3 months to open the brokerage account, all the while using the schwab card....would those 3months worth of cash back that you've earned be waiting for you when you open the brokerage account?
also, is the $1000 min to open the brokerage account waived when you already have a Schwab credit card?
02-06-2009 06:34 PM
02-06-2009 06:44 PM
I like my freedom plus card that gives 3% on top 6 categories.
I don't think I will really ever find myself with over 6 categories, so I should always get 3%!
02-06-2009 06:58 PM - edited 02-06-2009 07:02 PM
thanks for the info. How do I apply for Freedom Plus? I googled it and it looks like it's a Chase card, but I can't even find it on the Chase website.
I do see something called the Chase Freedom card, but it's only:
02-06-2009 07:01 PM
02-06-2009 07:10 PM
no, it's a personal card and it is not no preset spending limit.
speaking of business, can you product change a personal chase card into a business card??
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.