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Old 03-03-2012, 03:12 PM   #1
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Costco AMEX 3% gas cash back

hello all

After reviewing my recent AMEX statements, i see i am getting the 3%cash back only at the costco pumps. PFL, Loves, etc i got 1%.

I was just talking with AMEX CS, "the 3% is for stand alone gas stations".
So any station( according to the CS person i was talking to) that has a small convenience store gets the 1%.
I lodged a complaint,(claiming false advertising). the AMEX "complaint dept is supposed to be calling me back in three days
Since 99% of gas stations have a convenience store .

But, doing a search here,
there is lots of talk about getting 3% at PFJ.

your recent experience?
thanks
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Old 03-03-2012, 03:23 PM   #2
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Hi raycon9,
Every card is different. Combine that with the companies changing the rules any time they want to and this can be very confusing. I have an AMEX cash back card (it is no longer offered). 5% at fuel, groceries and pharmacy. All the time and no needing to sign up at the CC company's web site every few months. I've had the card for many years. AMEX just cut the rebate on "everything else" to 1% from 1 1/4%. I expect they will do away with the 5% some day and when that happens, I'll switch to a card that provides the largest cash back reward.

Bank of America has a good cash back card. I think it is 3% on fuel, 2 on groceries and 1% on everything else. All the time and no signing up at their web site every few months.

Having to go to the web site and sign up for the various offers is a waste of time. I have more important things to do.

The bottom line is it all depends on how the merchant registers with the CC company that determines the rebate provided the customer.

PFJ discounts have been X cents per gallon of fuel. I do not know of a PFJ card that provides a % discount. If you can provide the web url. That would be great.
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Old 03-03-2012, 07:43 PM   #3
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You might want to check your Bank of America card to be sure it is 3% all the time and NOT just for the first 6 months.

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Old 03-03-2012, 09:35 PM   #4
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Need to check closer on the B of A card. There is a limit on the 3% cash back. It applies only to the first $500.00 in any quarter, at least on my card. That's nice, but not a lot when you travel cross country and back in the same month. Not sure about the 1% and 2% rates. I can't find the small print disclosure info right now but will keep looking.
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Old 03-03-2012, 09:38 PM   #5
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We were just at Costco and, according to the signs, we are supposed to get 4% back using our AMEX card there.
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Old 03-04-2012, 07:56 AM   #6
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Quote:
Originally Posted by Mr_D View Post
We were just at Costco and, according to the signs, we are supposed to get 4% back using our AMEX card there.
yes, you get 4% at costco. or in my case 3%.

my question is about using the costco amex card at other stations like PFJ.

thanks
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Old 03-04-2012, 11:27 AM   #7
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My Costco AMEX card gives 3% for fuel at any fuel station (so they say) 1% for all other purchases. Seems there is a 2% for restaurants but I don't specifically remember that one. Just received the rewards credit of over $500 but it took a lot of purchases to get that amount. I use that card whenever possible.
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Old 03-04-2012, 12:26 PM   #8
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Hi djbmsu,
Thanks for the heads up on checking the fine print for the BoA cash back card. I did just that. What a joke. To get to the "fine print" took several clicks. Each click made the print smaller, really, it did get smaller. The following is from the BoA fine print for their cash back card.

"BankAmericard Cash Rewards™ Program Information. Earn base cash rewards of 1% of all new net purchases (qualifying purchases less credits, returns, and adjustments) charged to the card each billing cycle. You will earn total cash rewards of 2% (consisting of 1% bonus cash rewards and 1% base cash rewards) for net purchases at eligible grocery merchants and 3% (consisting of 2% bonus cash rewards and 1% base cash rewards) for net purchases at eligible gas merchants (the "Bonus Categories"), for the first $1,500 of combined net purchases made during each calendar quarter in the Bonus Categories. The calendar quarters are: January through March, April through June, July through September and October through December of each year. Eligible merchants and the associated merchant category codes (“MCC”) for the Bonus Categories are the following: (a) Grocery Stores (MCC codes 5411, 5422, 5441, 5451, 5462, and 5499); and (b) Gas Stations (MCC codes 5541 and 5542). Purchases made at a merchant that does not process transactions under these codes will not qualify and you will not receive the bonus cash rewards. You will earn base cash rewards of 1% for net purchases in excess of $1,500 in each quarter in the Bonus Categories."

At my age, one would think I would not get excited about the content of the TV commercial. If it sounds too good to be true, it probably is. The above mentioned gobbley gook from BoA makes me want to run fast. The question is run fast to where?
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Old 03-04-2012, 12:41 PM   #9
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If you join "Pentagon Federal Credit Union" ( anyone can join ) you get 5% on all fuel purchases as long as you swipe the card AT THE PUMP ! ! !
at todays fuel price that is a savings of 20 cents per gal.

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Old 03-04-2012, 01:03 PM   #10
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When I was using my Costco AMEX card I would get the 3% rebate at stations other than Costco. For example I would get it at PFJ as long as I swiped it at the RV pumps. However that card had a maximum annual purchase amount that would qualify for the 3% ($3,000 comes to mind), and after that amount was reached the rebate dropped to 1%.

I then switched to the PenFed (Pentagon Federal Credit Union) rewards card which gave a 5% fuel rebate, credited to my monthly statement, with no maximum cut off point. The only qualification is that it had to be swiped at the pump. Using PFJ as an example, if I fueled and swiped at the RV pumps I received the rebate. If I fueled at the PFJ truck pumps and paid inside, no rebate.

I have now switched to their new rewards card that earns the following unlimited points per dollar spent: 5 on fuel, 3 on groceries and 1 on everything else. Since each point is equivalent to .01, the rewards are 5%, 3% & 1%, respectively. The points can be redeemed for merchandise, travel or a Visa prepaid debit card (which is what I will be doing). This card will still need to be swiped at the pump in order to receive the fuel rewards. More info: PenFed Launches Its Newest Reward Card, the PenFed Platinum Rewards Card, with "Your Life--Now More Rewarding" Campaign - MarketWatch
BTW, regarding the grocery rewards, my wife does most of our shopping at a Walmart Super Center, which I verified with PenFed does qualify for the 3% reward, regardless of what is actually being purchased.

Not withstanding some of the old AMEX grandfathered rebate programs that are not relevant to discuss since they are no longer available, IMHO the Pen Fed program is one of the best ones available.
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Old 03-04-2012, 02:13 PM   #11
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I just went on the PenFed site and what I 'm seeing is you get 5 points for each dollar spent on gas. Going further on it shows you get a visa reward card of $50 for 5000 points or $5000 dollars. In my math that works out to 1%. Am I not looking at the right PenFed rewards card or am I missing something else in the Pen Fed site?
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Old 03-04-2012, 04:25 PM   #12
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Quote:
Originally Posted by 1ciderdog View Post
Bob
I just went on the PenFed site and what I 'm seeing is you get 5 points for each dollar spent on gas. Going further on it shows you get a visa reward card of $50 for 5000 points or $5000 dollars. In my math that works out to 1%. Am I not looking at the right PenFed rewards card or am I missing something else in the Pen Fed site?
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Okay it's Sunday and my mind may still be half asleep, but see if this makes sense. Think of it as each point being equal to .01, therefore in your Visa card example 5,000 points equals $50 (5,000 x .01 = $50). The redemption rate can't be greater than the earn rate, but you're going to earn more points per dollar spent for fuel purchases (5 points), than supermarket purchases (3 points) or all other purchases (1 point).

So if I want to purchase that $50 Visa card based only on fuel purchases, I would only have to spend $1,000 ($1,000 x 5 points = 5,000 points). If I wanted to purchase it based only on supermarket purchases, I would have to spend $1,667 ($1,667 x 3 points = ~5,000 points). And of course if I wanted to purchase it based only on all other purchases, I would have to spend $5,000 ($5,000 x 1 point = 5,000 points).

Okay, back to the race.
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Old 03-04-2012, 06:31 PM   #13
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Pentagon Federal CU web site, click on Credit cards then scroll down to the PenFed Platnium cash rewards card. First item on ther list is 5% cash back on fuel purchase
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Old 03-04-2012, 06:37 PM   #14
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Bob here is the link
https://www.penfed.org/credit-card-overview/
if you are retired military there is NO joining fee if you are not then there is a 20.00 one time joining fee
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