Chase 7-Eleven

[Anonymous]

Anyone have this card and have anything good, bad, or ugly to say about it?

Lately, I've been researching cards that might reward me for specific places where I already spend a lot of money anyway.  The rewards for 7-Eleven purchases would be a nice chunk of change for me.  It's where I get my coffee (and more often than not, a donut) every single morning.

First 60 days: 10% back at 7-Eleven, 2% everywhere else

After that: 3% back at 7-Eleven, 1% everywhere else

Anyone?

Message Edited by cheddar on 03-06-2008 04:15 PM

[Anonymous]

I've not heard of the cards but WOW on the rewards. If you shop there a lot, I'd say go for it.

Is gas included in the rewards?  7-11's are huge down here. One about every mile. lol

[Anonymous]

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Sylviatob wrote:

I've not heard of the cards but WOW on the rewards. If you shop there a lot, I'd say go for it.

Is gas included in the rewards?  7-11's are huge down here. One about every mile. lol

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The rewards description I saw online doesn't say anything about any exclusions.  It just says "at participating 7-Elevens."  I checked the website and all of them near me are "participating," so I'm good as far as that goes.

I do have that whole app hiatus thing going on, though.

Just gathering the data for when the time comes.

[Anonymous]

With your scores, they'd be silly to turn you down. Good luck!

[Anonymous]

*bump*

Nobody has this card?

[Anonymous]

Kind of off topic but didn't you say you were moving to Manhattan? I'm not aware of there being any 7-11's there at all.

[Anonymous]

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ChaoticKinesis wrote:
Kind of off topic but didn't you say you were moving to Manhattan? I'm not aware of there being any 7-11's there at all.

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There are two that I'm aware of.

23rd St & Park Ave

One just west of Times Square...don't remember exactly where.

Maybe more.

Chase needs to come out with a Dunkin' Donuts card.  I'd be all over that once I got to Manhattan.

Edit: Your point is well-taken though.  I hadn't even considered how my daily routine will need to change in just a few months.  Thanks for reminding me!

Message Edited by cheddar on 03-09-2008 11:54 PM

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
Kind of off topic but didn't you say you were moving to Manhattan? I'm not aware of there being any 7-11's there at all.

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There are two that I'm aware of.

23rd St & Park Ave

One just west of Times Square...don't remember exactly where.

Maybe more.

Chase needs to come out with a Dunkin' Donuts card. I'd be all over that once I got to Manhattan.

Edit: Your point is well-taken though. I hadn't even considered how my daily routine will need to change in just a few months. Thanks for reminding me!

Message Edited by cheddar on 03-09-2008 11:54 PM

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The thing is that if you go the Chase route, Freedom will get you 3% CB at both the aforementioned places and more. Plus I highly doubt you spend $600/month at 7-11 and Dunkin' Donuts combined.

[Anonymous]

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ChaoticKinesis wrote:
The thing is that if you go the Chase route, Freedom will get you 3% CB at both the aforementioned places and more. Plus I highly doubt you spend $600/month at 7-11 and Dunkin' Donuts combined.

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I totally agree with ChaoticKinesis.  The Chase Freedom card has more rewards bonus spending categories, and you would probably earn rewards much faster with that card than the 7-11 card.  You already know to avoid the Signature/World versions of the Freedom card. 

[Anonymous]

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psychic wrote:

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ChaoticKinesis wrote:
The thing is that if you go the Chase route, Freedom will get you 3% CB at both the aforementioned places and more. Plus I highly doubt you spend $600/month at 7-11 and Dunkin' Donuts combined.

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I totally agree with ChaoticKinesis.  The Chase Freedom card has more rewards bonus spending categories, and you would probably earn rewards much faster with that card than the 7-11 card.  You already know to avoid the Signature/World versions of the Freedom card. 

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Thanks for the opinions, both of you.

The rewards would be slightly more on the 7-11 card than they would be on the Freedom, due to the 10% intro period for two months.  That puts the average reward for the first year @ 4.2% instead of 3%, assuming consistent spending month to month.

I went back and ran some reports in MS Money to see how much I actually spend at 7-11 on an annual basis.  I won't actually post that number here due to the fact that it's kind of outrageous and embarrassing (you can do the math and figure it out if you want), but I did calculate that for me, the difference in rewards for the first year would amount to $28.  The second year, of course, the difference in rewards would be $0.

After crunching the numbers (and finally remembering that I'll be moving soon to a place where 7-11s are harder to come by), I'm going to agree with both of you that the card won't be worth it for me.

Thanks, again, for your opinions.