The CashBuilder only earns 1.5% and minimum redemption is $50. I put all my miscellaneous purchases on my Citi DoubleCash so really only keep one recurring membership on it to keep it alive. Since points don't have the minimum redemption I figured it would be better to redeem them than have cash back expire before it hits the $50 redemption.
I don’t know about doing the PC but be careful with their points card. It earns 4 points per dollar but at redemption works out to basically a 1% return or even less. So you’re probably never going to beat your cashbuilder with the points system.
Cash Rewards has a $25 redemption minimum, it's not awful for gas(4%)/restaurants(3%) but I think there are better options out there.
Does the PNC cash rewards have the same redemption minimum? I have been interested in it as a gas card since I still do not have a consistent one in my wallet.
Cash builder with a minimum of 50 is brutal.
My significant other refuses to leave PNC bank, so my joint account will ultimately be through them. Why not have a card through them? Also a lot of Costco gas stations in the area so VISA is a must.
4% at a minimum of $25 isn't the end of the world. Thanks for your insight! Any insight you can give me on underwriting through them? Regional banks like them tend to be selective.
What about the Costco Citi VISA? 4% on Gas also..
I have a weird thing about my credit card account being attached to a wholesale club, even if I do not plan to cancel. If you do not renew your Costco membership, do they PC you to another card?
Plus Citi never gives me any prequal love.