2% General Spend Card

[Anonymous]

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@SecretAzure wrote:

I may be out of my depth here but wouldn't Chase Freedom Unlimited be a better value than all above mentioned cards...if you have Chase SP or SR? I think the math works out to above 2% for travel. What do you guys and gals think?

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I agree with culinary, but I'm in the same boat as him. I am not a frequent traveler at all. Once, maybe twice a year. Even then, I prefer driving than flying. I know the points can be used for hotels and such, but one of my definitive "trips" is to visit family, so they have free room/board for me within their household.

But yes, if you have CSP/CSR (and travel somewhat regularly) then the FU would be a better option. But in my personal scenario, for instance, I don't travel enough to warrant a travel-based setup or travel card AF. I like the simplicity of straight forward cash back cards myself.

[Chris679]

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@Anonymous wrote:

So your opinion above then is that Blispay can't be any good because it comes from a relatively small bank in Utah?

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My opinion is that if I am comparing two somewhat equal products I am going to go with the large nationwide company that I have 7 years of history with rather than the small bank I've never heard of that is a wholly owned subsidiary of an electronics company that I've never heard of.  Feels like the Duck card all over again which I why I mentioned it.

[Anonymous]

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@Anonymous wrote:
I'm gonna choose Citi over Blispay for the same reason, Chris. This is actually a big marketing thing. Citi is the original 2% card in our minds here, and Blispay is the new challenger. The original will always have the most market share. The newer challenger will steal some customers away but never eclipse the original because the original is trusted and established in people's minds. I trust Citi more than I trust Firat Electronic Bank of Utah, even if maybe there's no reason for concern.

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Well, maybe your mind!   For at least some of us, the Fidelity Amex (and now Visa) was the "original 2%" and when Citi DC came out (and it is still fairly new in the scheme of things) people did not think it could last, as swipe fees on Visa were generally lower than those on Amex.   (The 1+1 structure vs straight 2 probably helps here).

But Citi DC is far from the original

[Themanwhocan]

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@Anonymous wrote:

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@Anonymous wrote:
I'm gonna choose Citi over Blispay for the same reason, Chris. This is actually a big marketing thing. Citi is the original 2% card in our minds here, and Blispay is the new challenger. The original will always have the most market share. The newer challenger will steal some customers away but never eclipse the original because the original is trusted and established in people's minds. I trust Citi more than I trust Firat Electronic Bank of Utah, even if maybe there's no reason for concern.

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Well, maybe your mind!   For at least some of us, the Fidelity Amex (and now Visa) was the "original 2%" and when Citi DC came out (and it is still fairly new in the scheme of things) people did not think it could last, as swipe fees on Visa were generally lower than those on Amex.   (The 1+1 structure vs straight 2 probably helps here).

But Citi DC is far from the original

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Priceline 2% came before Citi. Thank you, Barclaycard...

[wasCB14]

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@Anonymous wrote:

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@Anonymous wrote:
I'm gonna choose Citi over Blispay for the same reason, Chris. This is actually a big marketing thing. Citi is the original 2% card in our minds here, and Blispay is the new challenger. The original will always have the most market share. The newer challenger will steal some customers away but never eclipse the original because the original is trusted and established in people's minds. I trust Citi more than I trust Firat Electronic Bank of Utah, even if maybe there's no reason for concern.

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Well, maybe your mind!   For at least some of us, the Fidelity Amex (and now Visa) was the "original 2%" and when Citi DC came out (and it is still fairly new in the scheme of things) people did not think it could last, as swipe fees on Visa were generally lower than those on Amex.   (The 1+1 structure vs straight 2 probably helps here).

But Citi DC is far from the original

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If the original is always trusted and established, how do you explain the decline of Diners Club?

[Anonymous]

From insert I received w/ my card... 

PenFed Power Case Reward Visa Signature benefits:

1. Complimentary 24/7 Concierge Service

2. Travel & Emergency Service

3. Purchase Security - Damaged items, repaired, rebuilt or replaced

4. Luxury Hotel Collection

5. Roadside Dispatch

6. Warranty manager - Get double the time period of OEM Warranty

7. Emergency card replacement

8. Travel Accident Insurance

9. Auto Rental Collision Damage Waiver (CDW)

I have had this card for a few weeks and I would like to mention the rewards reimbursement set up is OUTSTANDING. You earn reward dollars AS ITEMS POST. In other words, you need not wait for Statement to cut, you earn as you spend. Minimum redemption is $5. They also break down every purchase and the associated reward on their Rewards page. 

Hope this helps!

[Anonymous]

That sounds much better. I was wonderring why the benefits seemed nonexistent on the PenFed. Apparently, they don't advertise everything online. To be fair, my comment on far more benefits from Citi was comparing Blispay, as that was the OP's original question.