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Re: Re: All good things must come to an end (Reply to this comment)
by joelmeu
The recent changes to the cash back rewards of the Citi Dividend MasterCard prompted me to do some personal analysis to find the best mix of cash back cards for my spending patterns.
That personal analysis inspired me to build a general-purpose tool to help anyone determine the single best card or mix of N cards that will maximize their cashback rewards. You just plug in how much you spend each month (broken out by categories for best results) and you're presented with a list of recommended cards sorted from best to worst by your expected annual reward. If having more than one card and using each card to its strengths could yield a greater total reward, then each combination of the Best N cards is presented as well.
You can see the tool at http://www.creditcardtuneup.com/ .
I'm certainly interested in any suggestions you might have to make it better.
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Sep 15 '06
8:38 pm PDT
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Re: All good things must come to an end (Reply to this comment)
by jeavinl
I just got that letter today, too. Bummer! And I finally thought I found a card that was worth keeping. On the upside, my old AOL VISA Platinum is making changes so that I can earn points toward things other than paying for AOL service. Maybe I'll end up using that one again.
Jeanne
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Aug 31 '06
3:03 pm PDT
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All good things must come to an end (Reply to this comment)
by psycprof97
I just received a letter from Citibank saying that they are not doing the 5% cash back at grocery stores, gas stations and drug stores any longer. Instead, they are moving to a 1% vs. 2% model which of course isn't nearly as good.
If you go on the website and try to apply for this card, it tells you that "changes are on the way" and that they are not accepting applications for this card. Luckily, Chase still has one that still has the 5% going. Who knows how long that will last however.
With the price of gas these days, 5% back is a big savings.
-Scott
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Aug 25 '06
8:00 pm PDT
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Re: Super review (Reply to this comment)
by jeavinl
Yes it is. It kills me that I have a mortgage with a 6% interest rate, but, alas, that is a necessity unless I wish to live in an apartment for the rest of my life.
Jeanne
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Jul 18 '06
4:05 am PDT
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Super review (Reply to this comment)
by nagels
The whole time I was reading this I was shaking my head in the affirmative. You've explained all aspects well, and I commend you for paying off your card monthly. Interest is a poison ,growing and feeding upon itself; it should be avoided if at all possible.
spuds
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Jul 17 '06
6:05 pm PDT
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Re: This (Reply to this comment)
by jeavinl
Thanks!
Jeanne
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Jul 17 '06
9:34 am PDT
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Re: Another wonderful review! (Reply to this comment)
by jeavinl
I wish my brother would take my advice as much as complete strangers do on this site. Hehehe. I told him to get this card last year and ofcourse he still hasn't. :)
Jeanne
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Jul 17 '06
9:33 am PDT
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Re: Thanks (Reply to this comment)
by jeavinl
Thanks for the lovely compliment! I put off getting a new card for a long time because those cash back offers sounded so fraudulent. I figured there had to be a catch. But since I almost never carry cash and charge everything anyway, this card is making me money. :)
Jeanne
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Jul 17 '06
9:32 am PDT
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Re: Cannot Argue with that (Reply to this comment)
by jeavinl
Thanks! I try, but it's hard to remember to check that CitiMerchants site sometimes, especially if you love to procrastinate about gifts like I do. But I'd definitely go through it when booking travel.
Jeanne
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Jul 17 '06
9:30 am PDT
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This (Reply to this comment)
by theresaro
is my favorite credit card and I have I can't even count how many. Great job on the review.
Teri :)
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Jul 17 '06
6:33 am PDT
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Another wonderful review! (Reply to this comment)
by gamerjet
Thanks for writing this review, I enjoyed reading it. I will also have to look into this card.
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Jul 17 '06
4:11 am PDT
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Thanks (Reply to this comment)
by gothicdreams
for the informative review I will have to check on getting this card or one similar. Take care and by the way your review was an excellent read.
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Jul 16 '06
7:02 pm PDT
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Cannot Argue with that (Reply to this comment)
by DeRango
Sounds like if you keep on top of what gives you the most "Bang for your Buck" in terms of % back your all good
What a well written review
Kudos
---DeRango
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Jul 16 '06
4:38 pm PDT
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