Quote:
Originally Posted by samoe93
I have the same deal - Citibank Dividend card, but you can cash out your rebate anytime they owe you more than $50. I use it for everything and pay it off... probably collected a good $350 of free money so far this year.
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+1
Yea def. take advantage of reward programs. I have the same card you're talking about, but I mainly got it cos they were initially offering 3% or 5% back on gas!!! Unfortunately within a few months of opening that account they scaled that category back big time, I think maybe 1% now, so it's barely worth it for me.
I've been using Discover lately. I keep a Visa/MC as backup since not everyone accepts Discover, but I took advantage of the CircuitCity bonus when I bought my LCD tv and got an instant ~$200 cashback bonus. I can use it towards my balance or get extra rewards from tons of places. I used to go to Starbucks a lot - now I just order a rewards card for it and voila, I'm drinking coffee and not paying a dime for it
Same with some restaurants.
If you got a CC that's not giving you anything back, switch to something that does.