topic Re: Looking for MC w/Rewards in Credit Cards

Looking for MC w/Rewards

bichonmom — Sun, 05 Feb 2012 16:00:02 GMT

My plan was to app for the USAA MC this spring/summer, since I was denied last year. However, based on a post I've read here, I realized that ltd. members CAN'T get their Rewards CCs. So, I'm now looking for a good MC w/rewards. I want it to be a MC, since I already have Navy's Reward Visa.

Any suggestions?

Thanks!

Re: Looking for MC w/Rewards

Anonymous — Sun, 05 Feb 2012 16:04:53 GMT

I, too, am searching for a rewards MC. I closed my Cap One secured last year (and although it didn't have any rewards, I'm missing a MC in my wallet). Like you, I was denied a USAA MC when I apped last year so I've been trying to find another card. However, I'm apping for a mortgage in the next few weeks so I won't be applying for anything until well after I close (and definitely way after it's funded). I'd just like to know what's available when I do take the pull. I'll be following this thread and taking notes!

Re: Looking for MC w/Rewards

Open123 — Sun, 05 Feb 2012 16:06:26 GMT

Me too, after ditching BBRZ, I no longer have a MC.

Re: Looking for MC w/Rewards

improvingmycredit — Sun, 05 Feb 2012 16:13:50 GMT

Check out this link: Barclays MC
https://www.barclaycardus.com/apply/Landing.action?campaignId=1583&cellNumber=6&referrerid=IMRPPCBR

Good luck!

Re: Looking for MC w/Rewards

Mike360 — Sun, 05 Feb 2012 16:16:02 GMT

Chase Freedom has a MasterCard version with same rewards as the Visa version.

Re: Looking for MC w/Rewards

Cdnewmanpac — Sun, 05 Feb 2012 16:34:43 GMT

Citi has an aadvantage world mc: https://creditcards.citi.com/credit-cards/citi-platinum-select-aadvantage-world-mastercard/. And of course capital one cash rewards (aka the jimmy Fallon card) is an mc.

Re: Looking for MC w/Rewards

Open123 — Sun, 05 Feb 2012 16:36:24 GMT

@Cdnewmanpac wrote:
Citi has an aadvantage world mc: https://creditcards.citi.com/credit-cards/citi-platinum-select-aadvantage-world-mastercard/. And of course capital one cash rewards (aka the jimmy Fallon card) is an mc.

The "Jimmy Fallong" card seems pretty good. Straight 2% rewards, but with a $59 fee. On the bright side, I can finally get a TU inquiry with CapOne.

Re: Looking for MC w/Rewards

Cdnewmanpac — Sun, 05 Feb 2012 16:49:16 GMT

@Open123 wrote:
@Cdnewmanpac wrote:
Citi has an aadvantage world mc: https://creditcards.citi.com/credit-cards/citi-platinum-select-aadvantage-world-mastercard/. And of course capital one cash rewards (aka the jimmy Fallon card) is an mc.
The "Jimmy Fallong" card seems pretty good. Straight 2% rewards, but with a $59 fee. On the bright side, I can finally get a TU inquiry with CapOne.

The card I was referring to (green "cash rewards" card) has no AF, 1%cash back and a 50%bonus at end of year. Also, zero foreign transaction fees. I'm done applying for at least 6 mos, but my next app will be for that or the citi forward.

Re: Looking for MC w/Rewards

Open123 — Sun, 05 Feb 2012 16:52:37 GMT

@Cdnewmanpac wrote:
@Open123 wrote:
@Cdnewmanpac wrote:
Citi has an aadvantage world mc: https://creditcards.citi.com/credit-cards/citi-platinum-select-aadvantage-world-mastercard/. And of course capital one cash rewards (aka the jimmy Fallon card) is an mc.
The "Jimmy Fallong" card seems pretty good. Straight 2% rewards, but with a $59 fee. On the bright side, I can finally get a TU inquiry with CapOne.
The card I was referring to (green "cash rewards" card) has no AF, 1%cash back and a 50%bonus at end of year. Also, zero foreign transaction fees. I'm done applying for at least 6 mos, but my next app will be for that or the citi forward.

Ok, I see. Sorry, I was confused with the green Sparks card.

Yeah, this looks to fit the bill. 1.5% with no forex fee and a MC is perfect. Only downside is the 3 hard pulls, but I think it's worth it.

Re: Looking for MC w/Rewards

LTomBerry — Sun, 05 Feb 2012 18:40:08 GMT

All the above are good suggestions, plus there's BofA. I vote for the Chase Freedom or Sapphire, both of which are available in MC.

You're not missing much on the USAA MC, the rewards are craptastic on it anyway. 0.45% up to $5k, 0.85% up to $10k, 1.0% up to $17.5k, 1.25% beyond that. You'd have to spend over $20k/yr to catch up with a 1% card, and they only redeem your cashback once a year.

Re: Looking for MC w/Rewards

CS800 — Sun, 05 Feb 2012 18:42:52 GMT

Ditto on USAA> I have their AMEX rewards and it's not that great. I figured their MC might not be up to par with the Chase Freedom.

Re: Looking for MC w/Rewards

bichonmom — Sun, 05 Feb 2012 21:05:32 GMT

Wow! Not as many MC options as Visa, huh? The Barclay's looks nice, but they don't give really high limits (at least not in general, from what I've read here... compared w/Navy and USAA).

No more Cap Ones for me. Aside from the CS, 3 HP just doesn't seem worth it. And it looks like the Citi card is good if you travel, but not for cash rewards. Plus, I may be blacklisted w/them. I'm not sure.

Maybe Chase... not sure. Does anyone know of any CUs that have a rewards MC?

Re: Looking for MC w/Rewards

bichonmom — Sun, 05 Feb 2012 21:39:53 GMT

Does anyone know how long you should have one Barclay's CC before apping for a different one?

Thanks!

Re: Looking for MC w/Rewards

Anonymous — Sun, 05 Feb 2012 21:56:01 GMT

@improvingmycredit wrote:
Check out this link: Barclays MC
https://www.barclaycardus.com/apply/Landing.action?campaignId=1583&cellNumber=6&referrerid=IMRPPCBR

Good luck!

I recommend this one! and was going to post the link but "improvingmycredit" beat me to it I was approved for $4,400 in December with a score probably in the low 700's and my highest limit at the time reporting was $4,900 so they will try to match close to your highest CL or take an average CL from your cards.

Re: Looking for MC w/Rewards

wmarat — Sun, 05 Feb 2012 22:15:24 GMT

https://creditcards.chase.com/credit-cards/amtrak-guest-rewards-mastercard.aspx

http://midatlantic.aaa.com/Banking/MasterCard

http://www.steinmart.com/mastercard.stml

http://www.tjxrewards.com/apply.html

http://www.widebayaust.com.au/personal_products/credit_cards/rewards_mastercard/

https://www.tdecu.org/Borrow/Credit-Cards/Onyx-Credit-Card.html

http://cuoftexas.org/creditcards.html

Re: Looking for MC w/Rewards

Ron1 — Sun, 05 Feb 2012 22:24:55 GMT

@bichonmom wrote:
Wow! Not as many MC options as Visa, huh? The Barclay's looks nice, but they don't give really high limits (at least not in general, from what I've read here... compared w/Navy and USAA).

No more Cap Ones for me. Aside from the CS, 3 HP just doesn't seem worth it. And it looks like the Citi card is good if you travel, but not for cash rewards. Plus, I may be blacklisted w/them. I'm not sure.

Maybe Chase... not sure. Does anyone know of any CUs that have a rewards MC?

Firstmark Credit Union

https://www.firstmarkcu.org/Loans/Credit_Cards.php

You can join The Friends of the Park Foundation to qualify for the membership. Firstmark Credit Union will pay your first-year membership fee directly to the Foundation; you are not required to renew your Friends of the Park membership.

Ron.

Re: Looking for MC w/Rewards

wmarat — Sun, 05 Feb 2012 22:24:39 GMT

@Ron1 wrote:
@bichonmom wrote:
Wow! Not as many MC options as Visa, huh? The Barclay's looks nice, but they don't give really high limits (at least not in general, from what I've read here... compared w/Navy and USAA).

No more Cap Ones for me. Aside from the CS, 3 HP just doesn't seem worth it. And it looks like the Citi card is good if you travel, but not for cash rewards. Plus, I may be blacklisted w/them. I'm not sure.

Maybe Chase... not sure. Does anyone know of any CUs that have a rewards MC?
Firstmark Credit Union

https://www.firstmarkcu.org/Loans/Credit_Cards.php

You can join The Friends of the Park Foundation to qualify for the membership.

Ron.

To apply for membership online, you must be at least 18 years old and choose one of the eligibility types below:

You are eligible to join Firstmark Credit Union by becoming a member of The Friends of the Park Foundation. Firstmark Credit Union will pay your first-year membership fee directly to the Foundation; you are not required to renew your Friends of the Park membership.

Re: Looking for MC w/Rewards

Ron1 — Sun, 05 Feb 2012 22:30:34 GMT

@wmarat wrote:
@Ron1 wrote:
@bichonmom wrote:
Wow! Not as many MC options as Visa, huh? The Barclay's looks nice, but they don't give really high limits (at least not in general, from what I've read here... compared w/Navy and USAA).

No more Cap Ones for me. Aside from the CS, 3 HP just doesn't seem worth it. And it looks like the Citi card is good if you travel, but not for cash rewards. Plus, I may be blacklisted w/them. I'm not sure.

Maybe Chase... not sure. Does anyone know of any CUs that have a rewards MC?
Firstmark Credit Union

https://www.firstmarkcu.org/Loans/Credit_Cards.php

You can join The Friends of the Park Foundation to qualify for the membership.

Ron.
To apply for membership online, you must be at least 18 years old and choose one of the eligibility types below:
You are eligible to join Firstmark Credit Union by becoming a member of The Friends of the Park Foundation. Firstmark Credit Union will pay your first-year membership fee directly to the Foundation; you are not required to renew your Friends of the Park membership.

I have both the credit card and LOC with one pull and they pulled EQ. I have had their credit card and LOC for almost six months. I haven't had any problem yet. They don't check Chexsystem and they checked Telecredit/Telecheck for account opening. I like their debit card and it gives your 10 cents back per transaction.

Ron.

Re: Looking for MC w/Rewards

Anonymous — Mon, 06 Feb 2012 21:37:18 GMT

@Ron1 wrote:

I have both the credit card and LOC with one pull and they pulled EQ. I have had their credit card and LOC for almost six months. I haven't had any problem yet. They don't check Chexsystem and they checked Telecredit/Telecheck for account opening. I like their debit card and it gives your 10 cents back per transaction.

Ron.

Nice...what kind of limit did they start you off for the credit card and LOC? Also how many INQ at the time of applying? Did they ask for POI?

Re: Looking for MC w/Rewards

Ron1 — Mon, 06 Feb 2012 21:38:30 GMT

@Anonymous wrote:
Nice...what kind of limit did they start you off for the credit card and LOC? Also how many INQ at the time of applying? Did they ask for POI?

I only asked them to give $5000 CL for the credit card and overdraft LOC only gives $500 max. They can give you more than $5000. I have seen people asking over $10K. By the way, they also ask for paycheck stub for proof of income. I only had 3 inquiries and my EQ score was 794. I joined because they have cash back debit and it gives you back 10 cents back. I think it is better than Alliant CU.

Ron.