topic Re: American Kennel Club Visa in Credit Cards

American Kennel Club Visa

kdm31091 — Sat, 25 Jul 2015 11:27:29 GMT

Found this online and never really see anyone mention it here - so there must be a reason why lol.

Offers 3x points (dubious how much the points are actually worth) on pet stores and vet offices (and AKC purchases). Since I have been somewhat curious if any card offers rewards for vet visits and pet stores etc, this would be great, but if the 3x is not actually 3% it's worthless. Anyone have this card and know more about it? None of the websites I find really talk about what the points actually are worth. The worth is important, because we all know 3x doesn't necessarily equate to 3% in cash.

It gives the usual 2x gas/groceries and 1x all other purchases, but it's primarily the pet 3x points that could be valuable (at least, a year from now when I'm no longer gardening lol...guess we research cards to keep ourselves entertained!)

Re: American Kennel Club Visa

Anonymous — Sat, 25 Jul 2015 13:03:13 GMT

Is this Bank of America?

Re: American Kennel Club Visa

kdm31091 — Sat, 25 Jul 2015 13:07:11 GMT

Looks like comenity, which can be good or bad lol. They are supposed to be generous though I have not seen that with my BJs card too much.

I scoured the website for this card and can find absolutely nothing about what the points are actually worth. Very frustrating. Because if "3x" is really not 3% when you redeem then it's pointless. The Paypal Mastercard does this, where it entices you with "3x" on dining but the actual return when you cash out is more like maybe 2% which is nothing exciting.

I have a dog and 4 cats, so getting actual 3% on pet purchases would be great, but I won't apply unless I know it's actually 3% lol

Re: American Kennel Club Visa

Anonymous — Sat, 25 Jul 2015 14:26:56 GMT

@kdm31091 wrote:
Found this online and never really see anyone mention it here - so there must be a reason why lol.

Offers 3x points (dubious how much the points are actually worth) on pet stores and vet offices (and AKC purchases). Since I have been somewhat curious if any card offers rewards for vet visits and pet stores etc, this would be great, but if the 3x is not actually 3% it's worthless. Anyone have this card and know more about it? None of the websites I find really talk about what the points actually are worth. The worth is important, because we all know 3x doesn't necessarily equate to 3% in cash.

It gives the usual 2x gas/groceries and 1x all other purchases, but it's primarily the pet 3x points that could be valuable (at least, a year from now when I'm no longer gardening lol...guess we research cards to keep ourselves entertained!)

It's been mentioned, Just use search as we tell people! (AKC is better)

See, for example, http://ficoforums.myfico.com/t5/Credit-Cards/AKC-Credit-Card/m-p/3243018#M905092

http://ficoforums.myfico.com/t5/Credit-Cards/AKC-Visa-back-with-Comenity/td-p/3083004

But both threads have the question about value of points with no answer....

Re: American Kennel Club Visa

Anonymous — Sat, 25 Jul 2015 14:31:25 GMT

Can't believe that neither CA or Ron1 have the card as they seem to apply for just about anything :-)

Re: American Kennel Club Visa

kdm31091 — Sat, 25 Jul 2015 14:33:35 GMT

Ugh. Neither of those threads has an answer lol...hopefully someone who has this card will chime in.

Re: American Kennel Club Visa

Anonymous — Sat, 25 Jul 2015 14:40:00 GMT

Chase used to back this card? Did chase back every card? Sheesh.

Re: American Kennel Club Visa

Anonymous — Sat, 25 Jul 2015 14:52:45 GMT

Would be nice to know. Have 4 dogs and a cat. Vet and pet stores love us.

Re: American Kennel Club Visa

B335is — Sat, 25 Jul 2015 15:15:20 GMT

Statement credit is $25 for 2500 points, $50 for 5000 points and so on. I've had this card for awhile. $20k limit.

Re: American Kennel Club Visa

kdm31091 — Sat, 25 Jul 2015 15:32:29 GMT

@B335is wrote:
Statement credit is $25 for 2500 points, $50 for 5000 points and so on. I've had this card for awhile. $20k limit.

Great to know! So you do get an actual 3% on pet stuff.

Re: American Kennel Club Visa

B335is — Sat, 25 Jul 2015 15:36:30 GMT

Yup. It's the only card I have that gives that much on pet supplies. Comenity has a rewards site similar to Citi Thank You that you can redeem for merchandise or statement credit.

Re: American Kennel Club Visa

happypill — Sat, 25 Jul 2015 15:43:06 GMT

Those rewards look solid and the card is pretty interesting. I think Comenity is pretty good with their store cards.

Re: American Kennel Club Visa

Anonymous — Sat, 25 Jul 2015 15:43:27 GMT

@kdm31091 wrote:
@B335is wrote:
Statement credit is $25 for 2500 points, $50 for 5000 points and so on. I've had this card for awhile. $20k limit.
Great to know! So you do get an actual 3% on pet stuff.

KDM, where do you get pet supplies (apart from Vet stuff)? You can do much better than 3%

Petco: GiftcardZen and others have cards over 30% off

PetSMart: GiftCardBin has 20% off

PetSupermarket: GiftCardBin has 13% off

etc

(and this exclludes the 2% your DC would give you for buying the card, and, if online, the cashback you get by going through a mall)

Re: American Kennel Club Visa

B335is — Sat, 25 Jul 2015 15:50:17 GMT

Just speaking for myself, I go to Centinela Pet. I can't stand Petco for some past grooming issues. I couldn't find any portal or gift cards for higher discount for Centinela.

Re: American Kennel Club Visa

kdm31091 — Sat, 25 Jul 2015 15:53:25 GMT

@Anonymous wrote:
@kdm31091 wrote:
@B335is wrote:
Statement credit is $25 for 2500 points, $50 for 5000 points and so on. I've had this card for awhile. $20k limit.
Great to know! So you do get an actual 3% on pet stuff.
KDM, where do you get pet supplies (apart from Vet stuff)? You can do much better than 3%

Petco: GiftcardZen and others have cards over 30% off
PetSMart: GiftCardBin has 20% off
PetSupermarket: GiftCardBin has 13% off
etc
(and this exclludes the 2% your DC would give you for buying the card, and, if online, the cashback you get by going through a mall)

Usually Petsmart. Actually, that's a good point, I could try one of those gift card sites instead

Re: American Kennel Club Visa

Anonymous — Sat, 25 Jul 2015 16:08:49 GMT

@Anonymous wrote:
@kdm31091 wrote:
@B335is wrote:
Statement credit is $25 for 2500 points, $50 for 5000 points and so on. I've had this card for awhile. $20k limit.
Great to know! So you do get an actual 3% on pet stuff.
KDM, where do you get pet supplies (apart from Vet stuff)? You can do much better than 3%

Petco: GiftcardZen and others have cards over 30% off
PetSMart: GiftCardBin has 20% off
PetSupermarket: GiftCardBin has 13% off
etc
(and this exclludes the 2% your DC would give you for buying the card, and, if online, the cashback you get by going through a mall)

LTL, is there a site that you use to monitor the varying discounted gift cards?

Re: American Kennel Club Visa

Anonymous — Sat, 25 Jul 2015 16:37:30 GMT

B335is.. did you grow that one, or was that the starting limit because you have a good record everywhere? Most vets take care credit and that's no interest financing so you can pay for pet food and stuff at a vet if necessary but a card able to use everywhere obviously is nice

Re: American Kennel Club Visa

Anonymous — Sat, 25 Jul 2015 16:39:19 GMT

@Anonymous wrote:
@Anonymous wrote:
@kdm31091 wrote:
@B335is wrote:
Statement credit is $25 for 2500 points, $50 for 5000 points and so on. I've had this card for awhile. $20k limit.
Great to know! So you do get an actual 3% on pet stuff.
KDM, where do you get pet supplies (apart from Vet stuff)? You can do much better than 3%

Petco: GiftcardZen and others have cards over 30% off
PetSMart: GiftCardBin has 20% off
PetSupermarket: GiftCardBin has 13% off
etc
(and this exclludes the 2% your DC would give you for buying the card, and, if online, the cashback you get by going through a mall)
LTL, is there a site that you use to monitor the varying discounted gift cards?

giftcardgranny.com

This, along with cashbackmonitor.com are really useful in making credit card decisions, as the answer might often be that you don't need that card!

Re: American Kennel Club Visa

B335is — Sat, 25 Jul 2015 16:50:24 GMT

@Anonymous wrote:
B335is.. did you grow that one, or was that the starting limit because you have a good record everywhere? Most vets take care credit and that's no interest financing so you can pay for pet food and stuff at a vet if necessary but a card able to use everywhere obviously is nice

It's grown from $15k SL. I do have clean reports and many many TLs. There is no SCT for this card, you just have to apply. I think my APR is like 14%. I haven't seen any special financing like care credit though.

Re: American Kennel Club Visa

Themanwhocan — Sat, 25 Jul 2015 17:07:46 GMT

@Anonymous wrote:
@kdm31091 wrote:
@B335is wrote:
Statement credit is $25 for 2500 points, $50 for 5000 points and so on. I've had this card for awhile. $20k limit.
Great to know! So you do get an actual 3% on pet stuff.
KDM, where do you get pet supplies (apart from Vet stuff)? You can do much better than 3%

Petco: GiftcardZen and others have cards over 30% off
PetSMart: GiftCardBin has 20% off
PetSupermarket: GiftCardBin has 13% off
etc
(and this exclludes the 2% your DC would give you for buying the card, and, if online, the cashback you get by going through a mall)

Also, aren't veterinarians included in the Charity 5% category of the US Bank cash+ card?