Community Forums

Izzyblueye · 11-13-2007, 03:43 PM

"Discover" just went in the dumper for fuel discounts. "Citi" already aborted their's, some time ago. Chase is fair, but not great. (What are you all using that works today)? These fuel prices are coming close to intolerable. I have slowed way down on the road, that helped, but only in a minor way. Easier on me than the fuel consumption. Incidentally at 55 mph I feel like I am in reverse out there with every one else still banging 70 or more. Would like to hear which CC has the best fuel plan right now. Keeping mind the fine print can taketh away.

Izzyblueye · 11-13-2007, 03:43 PM

"Discover" just went in the dumper for fuel discounts. "Citi" already aborted their's, some time ago. Chase is fair, but not great. (What are you all using that works today)? These fuel prices are coming close to intolerable. I have slowed way down on the road, that helped, but only in a minor way. Easier on me than the fuel consumption. Incidentally at 55 mph I feel like I am in reverse out there with every one else still banging 70 or more. Would like to hear which CC has the best fuel plan right now. Keeping mind the fine print can taketh away.

GaryKD · 11-13-2007, 03:49 PM

I use AMEX for all my fuel (and other) purchases. AMEX has several cash back credit card offerings. There is a ramp up before one gets to the 5% cash back on fuel, groceries and pharmacy. I forget what it is, but I reach it after only a couple of months. There is no charge for the card. My cash rebate in 2007 was about $745!

The AMEX web site provides all the details.

UFO Pilot · 11-13-2007, 04:23 PM

I use AMEX at COSTCO gas stations. Refund varies year to year.

Ray,IN · 11-14-2007, 06:07 AM

I have no idea what you meant by "Discover in the dumper". The Discover Open Roads Cardis still being advertised as of 11:10 hrs. 11/13/07.

Izzyblueye · 11-14-2007, 06:28 AM

RAY: Yep it is, but read the fine print. 5% on fuel is only good for up to $100.00 of purchases of fuel each month or a max of $1200.00 of fuel per year. After these thresholds are reached, the discount drops to 1%. This allows them to continue to advertise they give 5% on fuel purchases. I called and they confirmed the new rules. I was most sorry to see this happen, as I have two cars a truck and a motor home and several small gas engines. Citi Bank did the same thing a couple of years ago. If you find anything different, I would like to know.

Izzyblueye · 11-14-2007, 07:12 AM

RAY: Fine print research: DISCOVER CARD:
REWARDS: Earn unlimited cash rewards on all purchases. Earn a full 5% Cashback Bonus on your first $100 in combined gas and auto maintenance purchases each billing period, up to $1,200 annually. In addition, earn a full 1% on all other purchases after your total annual purchases exceed $3,000; other purchases that are part of your first $1,500 earn .50%. Combined gas and auto maintenance purchases in excess of $100 each billing period earn Cashback Bonus at the same rate as other purchases. Gas and auto maintenance purchases are those made at merchants we classify as gas stations and at stores that primarily sell automotive parts and services, such as auto dealerships, auto repair shops, tire stores and car washes. Warehouse purchases (those made at select warehouse clubs, discount stores and their affiliates) earn .25%. We do not include warehouse purchases or your first $100 in combined gas and auto maintenance purchases each month in calculating your total annual purchases to determine your tier level. Rewards are redeemable in $20 increments.

georgetown350 · 11-14-2007, 10:37 AM

I use Citi Mastercard. 2 cents off a litre.

Bob&Pat · 11-14-2007, 11:35 AM

$425 is what I received from BP Visa (Chase) in the first 12 months.
5% gas, 2% restaurant and travel, 1% all other purchases.

10% for the first 60 days on gas. Plus I received a
$75 bonus for signing up and using the card, in the summer of 2006

Also have Discover but it limits you to 120.00 back on gas at 5%.

Use Discover only when I can't use the BP Visa.

When we travel this winter I will sign up for a new BP Visa in wife's name.

charliez · 11-15-2007, 04:13 AM

Why don't you just pay cash? I find it odd that people intentially pay hundreds of $$$ in interest so they can save a dollar or two on each fillup.

Same thing with air miles. Folks just love to go out and spend $2000 on a credit card just so they can get a $250 airline ticket for free. Makes no sence to me.

If you don't want ot carry cash, which I don't, then get a debit card. No interest, comes right out of your account, paid in full, and no giant envelopes full of cash laying around.

Izzyblueye · 11-15-2007, 04:26 AM

Bob& Pat: Chase Freedom is the best all around card I have been able to find anywhere. The oil companies will give a higher discount, but they charge generally more per gallon so CHASE comes out the winner, and it is good for any brand. They even offered my wife her own separate card, which effectively doubles the $600.00 monthly threshold.

Izzyblueye · 11-15-2007, 04:35 AM

charliez: I am having difficulty following your rationale. The credit card doesn't cost me anything. I can't get a discount for cash, which I don't carry. I don't carry balances forward, so I don't pay interest of any kind. It is convenient to Pay and Go at the pump, especially in bad weather. Yes there is a possibility they load the price for the discount, but as a cash customer you are going to pay the same price, at least the CC allows me to recover some of that. Debit cards basically are the same as cash, no discount. So ?????.

georgetown350 · 11-15-2007, 11:30 AM

[quote]Why don't you just pay cash? I find it odd that people intentially pay hundreds of $$$ in interest so they can save a dollar or two on each fillup.

Same thing with air miles. Folks just love to go out and spend $2000 on a credit card just so they can get a $250 airline ticket for free. Makes no sence to me.

Charliez. I am one of those folks who loves to spend 2000 and get the air miles but I dont pay interest and the credit card is no more difficult to pay then the debit card. What you said didnt make to much sense but thats ok because we like you.

RustyJC · 11-15-2007, 11:43 AM

<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by charliez:
Why don't you just pay cash? I find it odd that people intentially pay hundreds of $$$ in interest so they can save a dollar or two on each fillup.

Same thing with air miles. Folks just love to go out and spend $2000 on a credit card just so they can get a $250 airline ticket for free. Makes no sence to me. </div></BLOCKQUOTE>
I'll use a credit card for convenience and nab any rebates/rewards I can. Having said that, I won't carry a card that charges an annual fee, and I haven't carried a balance over in decades - I pay the card in full when the bill comes in every month. Therefore, the card costs me absolutely nothing to use. Frankly, I'm the kind of customer that credit card companies would rather not have, but some of them tolerate me.

<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by charliez:
If you don't want ot carry cash, which I don't, then get a debit card. No interest, comes right out of your account, paid in full, and no giant envelopes full of cash laying around. </div></BLOCKQUOTE>
Yep, I'll use a debit card as well. It costs me nothing, either.

Rusty