topic Re: Online Bonus Malls for Credit Cards...thoughts in Credit Cards

Online Bonus Malls for Credit Cards...thoughts

laboi_22 — Sat, 01 Sep 2012 23:11:37 GMT

I am in online shopping mode for labor day sales. I could have sworn my AMEX BCE had an online mall??? No?

Out of Chase, Discover, and BofA what are the best bets for earning potentials? Thoughts???

Happy Labor Day BTW everyone!!

Re: Online Bonus Malls for Credit Cards...thoughts

Anonymous — Sat, 01 Sep 2012 23:13:37 GMT

Amex seems to have killed their bonus mall. No one knows for certain if it is ever coming back at this stage since there have been words from CS on both sides of that fence.

Re: Online Bonus Malls for Credit Cards...thoughts

Anonymous — Sat, 01 Sep 2012 23:16:00 GMT

I don't think Amex ever had a way to earn extra cashback online, just MR points (though I could be wrong). I've looked at Chase and it was alright. Lots of people seem to like Discover's online mall. I just do most of my online shopping at Amazon though.

Re: Online Bonus Malls for Credit Cards...thoughts

Anonymous — Sat, 01 Sep 2012 23:16:42 GMT

go to evreward to check. Most of the time, Chase is the best, since each point is worth 2 cents for me.

Re: Online Bonus Malls for Credit Cards...thoughts

laboi_22 — Sat, 01 Sep 2012 23:24:04 GMT

Thanks for the info. I wish AMEX would work it out!! Since you can get most everything online with Amazon who offers the best deals for shopping there?

Re: Online Bonus Malls for Credit Cards...thoughts

Anonymous — Sat, 01 Sep 2012 23:32:18 GMT

Citi forward probably. It's 5% points back all the time. They have recently improved their Thankyou points redemption for Citi Forward card holders, so it's 1:1 for almost all the brands they have there.

But I just buy small gift cards (less than 1 dollar) using Chase Freedom (10/10) and then put them into my account. So you get 10 points everytime you make a transaction. People usually get too greedy and buy thousands of 15cents gift cards all at once -- Chase usually just closes your account. But I think doing several a day (of varying amounts) would be reasonable and I don't think will get much attention from Chase.

Re: Online Bonus Malls for Credit Cards...thoughts

laboi_22 — Sat, 01 Sep 2012 23:35:36 GMT

Yeah I don't wan to deal with Citi. I'm trying to maximize the rewards I have on my current cards. Discover looks good but doesn't have some places I enjoy shopping like Buckle. To my suprise Buckle is on Chase's mall. I don't have the Chase 10/10 since I don't think I'll ever have Chase checking and the Sapphire doesn't really impress me much.

Re: Online Bonus Malls for Credit Cards...thoughts

jsucool76 — Sat, 01 Sep 2012 23:45:02 GMT

The only 2 good cards for amazon I know of are the citi forward, and the amazon visa card. (the two best afaik at least)

Re: Online Bonus Malls for Credit Cards...thoughts

laboi_22 — Sun, 02 Sep 2012 00:30:12 GMT

Well I will just have to send AMEX an email to see where thy stand with their online mall and continue research with Chase and Amazon. I did notice you can get free shipping on Amazon with your Discover card.

Re: Online Bonus Malls for Credit Cards...thoughts

DVH1980 — Sun, 02 Sep 2012 16:03:28 GMT

The USAA amll is pretty good, varying points multiplier depending on the merchant. Some places offer up up to 6x points. Tons of big retailers. I find myself only shopping at places that are part of the USAA mall, addicted to earning points.

Re: Online Bonus Malls for Credit Cards...thoughts

Anonymous — Sun, 02 Sep 2012 21:52:15 GMT

Chase is the best in my opinion by far. Even when Amex had theirs up they took away the ability to effectively track your points. I've never had UR not give me points, I even ended up with around 4,000 extra when I bought something on Nordstroms online and ended up returning it in store and they never took back the points.

Re: Online Bonus Malls for Credit Cards...thoughts

laboi_22 — Sun, 02 Sep 2012 23:17:51 GMT

That's great to know about Chase. It seems between both chase and discover these are my best bets for online shopping.

Re: Online Bonus Malls for Credit Cards...thoughts

CreditScholar — Mon, 03 Sep 2012 02:29:18 GMT

@Anonymous wrote:
Chase is the best in my opinion by far. Even when Amex had theirs up they took away the ability to effectively track your points. I've never had UR not give me points, I even ended up with around 4,000 extra when I bought something on Nordstroms online and ended up returning it in store and they never took back the points.

+1. Chase's UR is the best by quite a large margin.

They have a huge list of retailers, have decent-sized bonuses and your points always post automatically. The one time that it didn't, I called them up and they took care of it immediately over the phone. They also gave me 5,000 bonus points for the trouble.

Re: Online Bonus Malls for Credit Cards...thoughts

Anonymous — Tue, 04 Sep 2012 22:10:29 GMT

+1 for Chase UR. The shopping process is very straightforward and the one time I had points that didn't post correctly it was fixed within an hour after I sent a secure message. I've found that Citi's program often has the same points bonus for retailers (3x for Fairmont, 4x for Hotels.com, etc.) as Chase UR, but UR points are worth more to me because of CSP.