After four years, its time to end this one-way relationship.


I have decided to drop my American Express card (gotcha!). I have kept all the cash-back returns in one place, with a small APY and, after adding all the fees up and comparing, it just doesn't make sense.

What are some favorite rewards programs out there that don't have membership fees?


I don't mind high rates, I pay everything on time and carry zero balance.

Chase

__________________
62 220sb
67 250S
72 280SE 4.5
74 280C
77 300D
82 240D
85 190E 2.3
86 300E RIP 12/28/09
85 300SD
92 300D 2.5
00 E320 Current
Over 1,000,000 miles in Benzes, Since66

....and a whole passel of BMW 2002 and Tii

I am in Wells Fargo, no fees but the rewards come pretty slowly. It is somewhere around a 200:1 ratio, after $20,000 on the card you get $100 rewards. Works out very well for me since it is free and I literally put everything on the card.

__________________
TC
Current stable:
- 2004 Mazda RALLYWANKEL
- 2007 Saturn sky redline
- 2004 Explorer...under surgery.

Past: 135i, GTI, 300E, 300SD, 300SD, Stealth

I prefer the Amex card especially when I have purchases from merchants I don't know of. Why? Because if there is a problem, they will freeze the charge.

I had a problem with a starter and wanted to have it exchanged. Store gave me hell. Went home and talked to Amex.

Agent: We will file a dispute AFTER you return the item
Me: Store won't take it back.
Agent: We don't care. Put it on his table and if you have someone else see it, it would be better but just put it on his table.
Me: And if he doesn't accept it?
Agent: That's our problem.

__________________
01 Ford Excursion Powerstroke
99 E300 Turbodiesel
91 Vette with 383 motor
05 Polaris Sportsman 800 EFI
06 Polaris Sportsman 500 EFI
03 SeaDoo GTX SC Red
03 SeaDoo GTX SC Yellow
04 Tailgator 21 ft Toy Hauler
11 Harley Davidson 883 SuperLow

thats why I am struggling with this one.

What program do you use with them?

They are EXCELLENT with investigating disputes. I had a charge I didn't recognize with Discover and they jerked me around. I charged an airline ticket for my Dad and forgot about it but they couldn't get me any information about the charge that occurred. I had to finally figure it out. With Amex, they have ALWAYS been prompt and good whenever I question an item. Also, with returns, there is way less hassle.

Once or twice, the extended warranty has been useful for those items whose warranty expires 3 days before it breaks.

Also, a time or two, my items I bought got lost or stolen and they replaced it.

__________________
01 Ford Excursion Powerstroke
99 E300 Turbodiesel
91 Vette with 383 motor
05 Polaris Sportsman 800 EFI
06 Polaris Sportsman 500 EFI
03 SeaDoo GTX SC Red
03 SeaDoo GTX SC Yellow
04 Tailgator 21 ft Toy Hauler
11 Harley Davidson 883 SuperLow

I have the Costco Amex. Its a cash back card. 1% on all purchases. 3% on gas. 3% on dining and 2% on travel. Does not matter if you shop at cost co or not. Also they double the warranty on products upto an additional year free ofbcharge. no anual fee as long as i keep my cost co membership.

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Sent from an agnostic abacus

2014 C250 21,XXX my new DD ** 2013 GLK 350 18,000 Wife's new DD**

- With out god, life is everything.
- God is an ever receding pocket of scientific ignorance that's getting smaller and smaller as time moves on..." Neil DeGrasse Tyson
- You can pray for me, I'll think for you.
- When you understand why you dismiss all the other possible gods, you will understand why I dismiss yours.

Switch to an Amex with no annual fee's. I wouldn't get a CC with a fee, the interest rates they charge are more then enough.

__________________
1999 SL500
1969 280SE
2023 Ram 1500
2007 Tiara 3200

What interest rate does Amex have if you get the charge card? They have a CC there but that is that.

__________________
01 Ford Excursion Powerstroke
99 E300 Turbodiesel
91 Vette with 383 motor
05 Polaris Sportsman 800 EFI
06 Polaris Sportsman 500 EFI
03 SeaDoo GTX SC Red
03 SeaDoo GTX SC Yellow
04 Tailgator 21 ft Toy Hauler
11 Harley Davidson 883 SuperLow

Not sure.

http://www201.americanexpress.com/business-credit-cards/business-card-details/simplycash-business-credit-card/29789?btct=Amex_LP_OPEN_OPEN_Gold_002:Random&ct11=Amex_LP_OPEN_OPEN_Gold_002

This is the one I'm going to apply for once my business is old enough. Amex said they want 1 year's worth of income statements.

__________________
1999 SL500
1969 280SE
2023 Ram 1500
2007 Tiara 3200

X2
Costco Amex
In addition to what DM stated:
Primary Rental Car Coverage
They will,upon request,Call You if anything "Hinky" shows up on the card.
24/7 "No Bushwa" customer service

No Questions or Hoops to Jump through..."Cash Back" Check (every February)
for the previous year's purchases.

__________________
'84 300SD sold
124.128

Just signed up for it. I appreciate the insight.

thanks!

you get 4% on gas and something else if you have a business card or membership.

I hope diesel is considered "gas".... oh great.

I have a Southwest Airline card from Visa. We put everything on it and usually get at least one and sometimes two tickets a year.

I have an Amex blue card and just got the ostco one. I have a Visa debit card tied to one account, that's all the CCs I have except one from work that's only for work expenses.

__________________
Strelnik
Invest in America: Buy a Congressman!

1950 170SD
1951 Citroen 11BN
1953 Citroen 11BNF limo
1953 220a project
1959 180D
1960 190D
1960 Borgward Isabella TS 2dr
1983 240D daily driver
1983 380SL
1990 350SDL daily driver alt
3 x Citroen DS21M, down from 5
3 x Citroen 2CV, down from 6