worst rewards program?

[juggalo9er]

albeit i love the 9.9 fixed interest in my imcu cc the rewards are well kinda depressing. i get 1 point for every dollar, they can not be redeemed for statement credit only merchandise. some examples of the deals i found...13,400 points for a bluetooth headset, 3800 points for a 25$ itunes gift card. going by the gift card i believe they value points around .006...still love the card

[Anonymous]

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@juggalo9er wrote:

albeit i love the 9.9 fixed interest in my imcu cc the rewards are well kinda depressing. i get 1 point for every dollar, they can not be redeemed for statement credit only merchandise. some examples of the deals i found...13,400 points for a bluetooth headset, 3800 points for a 25$ itunes gift card. going by the gift card i believe they value points around .006...still love the card

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USAA.  Where you get to work your way up to 1% cash back after $10k spend (or something along those lines).

[juggalo9er]

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@Anonymous wrote:

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@juggalo9er wrote:

albeit i love the 9.9 fixed interest in my imcu cc the rewards are well kinda depressing. i get 1 point for every dollar, they can not be redeemed for statement credit only merchandise. some examples of the deals i found...13,400 points for a bluetooth headset, 3800 points for a 25$ itunes gift card. going by the gift card i believe they value points around .006...still love the card

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USAA.  Where you get to work your way up to 1% cash back after $10k spend (or something along those lines).

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wow.....just wow

[corymcd88]

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@Anonymous wrote:

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@juggalo9er wrote:

albeit i love the 9.9 fixed interest in my imcu cc the rewards are well kinda depressing. i get 1 point for every dollar, they can not be redeemed for statement credit only merchandise. some examples of the deals i found...13,400 points for a bluetooth headset, 3800 points for a 25$ itunes gift card. going by the gift card i believe they value points around .006...still love the card

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USAA.  Where you get to work your way up to 1% cash back after $10k spend (or something along those lines).

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It remines me of my Walmart Discover.

[Anonymous]

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@juggalo9er wrote:

albeit i love the 9.9 fixed interest in my imcu cc the rewards are well kinda depressing. i get 1 point for every dollar, they can not be redeemed for statement credit only merchandise. some examples of the deals i found...13,400 points for a bluetooth headset, 3800 points for a 25$ itunes gift card. going by the gift card i believe they value points around .006...still love the card

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No fees for BTs, cash advances, over the limit.  No penalty rate.  1% FETF.  Generous CL.

This type of CC can be extremely valuable.

[juggalo9er]

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@Anonymous wrote:

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@juggalo9er wrote:

albeit i love the 9.9 fixed interest in my imcu cc the rewards are well kinda depressing. i get 1 point for every dollar, they can not be redeemed for statement credit only merchandise. some examples of the deals i found...13,400 points for a bluetooth headset, 3800 points for a 25$ itunes gift card. going by the gift card i believe they value points around .006...still love the card

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No fees for BTs, cash advances, over the limit.  No penalty rate.  1% FETF.  Generous CL.

This type of CC can be extremely valuable.

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thats why i was so shocked to get it lol ty though they let you pull money off it for free at the branch

[grinlikechelsea]

I heard Citi's TY points are pretty weak, but I can't confirm that since I don't have a Citi card.

[CreditScholar]

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@grinlikechelsea wrote:

I heard Citi's TY points are pretty weak, but I can't confirm that since I don't have a Citi card.

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Of the "Big 4", Citi's TY program is clearly in last place when compared to Chase's UR, and Amex's MR & SPG. It has its uses, but unless you're one of those niche customers that can fully benefit from the prestige, you'll probably find better value elsewhere.