Comments on: Get Cash Rebates for Buying Gas With Credit Cards http://www.consumerismcommentary.com/2008/07/03/get-cash-rebates-for-buying-gas-with-credit-cards/ A premiere personal finance blog, established 2003. Within, Flexo discusses his own experiences with money, and he and other authors comment on a wide range of personal finance topics. Sat, 21 Nov 2009 16:42:00 -0500 http://wordpress.org/?v=2.8.5 hourly 1 By: Maifriend http://www.consumerismcommentary.com/2008/07/03/get-cash-rebates-for-buying-gas-with-credit-cards/#comment-186587 Maifriend Mon, 08 Dec 2008 08:09:29 +0000 http://www.consumerismcommentary.com/?p=3397#comment-186587 I use the card from PFCU for some time now. I enjoy the 5% rebate on gas and never had an issue unlike many credit card companies who pretend that you made a late payment so they can charge you fees. The web site is not great but once you know it you know where to find your way. Also like Dreamer said, the rebate is subtracted from your monthly due so no need to wait to get your cash rebate. There is no limit to reach to enjoy your full rebate, not the same with the Costco Amex card. I'm now looking for a low APR % card. I use the card from PFCU for some time now. I enjoy the 5% rebate on gas and never had an issue unlike many credit card companies who pretend that you made a late payment so they can charge you fees. The web site is not great but once you know it you know where to find your way. Also like Dreamer said, the rebate is subtracted from your monthly due so no need to wait to get your cash rebate. There is no limit to reach to enjoy your full rebate, not the same with the Costco Amex card.

I’m now looking for a low APR % card.

]]> By: Dreamer http://www.consumerismcommentary.com/2008/07/03/get-cash-rebates-for-buying-gas-with-credit-cards/#comment-162101 Dreamer Mon, 07 Jul 2008 05:13:07 +0000 http://www.consumerismcommentary.com/?p=3397#comment-162101 @Dan: Yeah, the site itself is not great, and looks like it was built in the 90's. Secure though. I've had much better luck just calling them. Very friendly customer service, and it clears through a lot of crap. As for the signin/userinfo, they'll mail you some stuff you need to register the account with. Also, don't bother looking at their checking accounts. They have a basic billpay service for free, but their "premium" service costs money. I keep the $5 minimum savings, and the card, and that's it. They also boast very low loan rates (car loans and such), but I've never tried, so I can't give any recommendations. So, summing up: Rewards card: Great rewards, uncomplicated, saves money. Credit union itself: Too much paperwork, crappy looking website, entire process still depends on snailmail, good customer service, other accounts not worth switching banks for. @Dan:

Yeah, the site itself is not great, and looks like it was built in the 90’s. Secure though. I’ve had much better luck just calling them. Very friendly customer service, and it clears through a lot of crap.

As for the signin/userinfo, they’ll mail you some stuff you need to register the account with.

Also, don’t bother looking at their checking accounts. They have a basic billpay service for free, but their “premium” service costs money. I keep the $5 minimum savings, and the card, and that’s it.

They also boast very low loan rates (car loans and such), but I’ve never tried, so I can’t give any recommendations.

So, summing up:

Rewards card: Great rewards, uncomplicated, saves money.
Credit union itself: Too much paperwork, crappy looking website, entire process still depends on snailmail, good customer service, other accounts not worth switching banks for.

]]> By: Dan http://www.consumerismcommentary.com/2008/07/03/get-cash-rebates-for-buying-gas-with-credit-cards/#comment-162070 Dan Mon, 07 Jul 2008 02:36:51 +0000 http://www.consumerismcommentary.com/?p=3397#comment-162070 So, I checked out that Pentagon website. I have a family member who's military, so I started walking through the steps to sign up. After 30 minutes of field after field in filing to join the credit union, I clearly clicked to sign up for the rewards card and ended up on a page where I was now filling out loan information. This was the most frustrating, backwards application process I'd ever been through. I gave up. Figures, it's a government web site. Maybe I'll try again if I have some signup info/user name info in my inbox when I check, but it was truly frustrating. I do use the other cards and blog about our cash back rewards and what we use them for about monthly. Been doing this for years and it's a great tool if you don't carry a balance. So, I checked out that Pentagon website. I have a family member who’s military, so I started walking through the steps to sign up. After 30 minutes of field after field in filing to join the credit union, I clearly clicked to sign up for the rewards card and ended up on a page where I was now filling out loan information. This was the most frustrating, backwards application process I’d ever been through. I gave up. Figures, it’s a government web site. Maybe I’ll try again if I have some signup info/user name info in my inbox when I check, but it was truly frustrating.

I do use the other cards and blog about our cash back rewards and what we use them for about monthly. Been doing this for years and it’s a great tool if you don’t carry a balance.

]]> By: Dreamer http://www.consumerismcommentary.com/2008/07/03/get-cash-rebates-for-buying-gas-with-credit-cards/#comment-161495 Dreamer Fri, 04 Jul 2008 17:17:51 +0000 http://www.consumerismcommentary.com/?p=3397#comment-161495 A Great card few know about: Pentagon Federal Credit Union rewards card. 5% on gas, 2% on groceries, 1.25% on everything else. No points, no checks, no application for rewards. Your monthly statement just has the rebate applied to it. Like most credit unions, there are requirements to join. You have to have an affiliation with the military. But, if you never served, nor had a family member that did, or never worked with the military, you can buy into the National Military Family Association, which is open to all Americans. The NMFA has yearly dues, but you don't need to stay current to remain a member. So, you pay $20 for a one year subscription, don't renew, and you've got a great card. www.penfed.org A Great card few know about: Pentagon Federal Credit Union rewards card.

5% on gas, 2% on groceries, 1.25% on everything else. No points, no checks, no application for rewards. Your monthly statement just has the rebate applied to it.

Like most credit unions, there are requirements to join. You have to have an affiliation with the military. But, if you never served, nor had a family member that did, or never worked with the military, you can buy into the National Military Family Association, which is open to all Americans. The NMFA has yearly dues, but you don’t need to stay current to remain a member. So, you pay $20 for a one year subscription, don’t renew, and you’ve got a great card.

http://www.penfed.org

]]> By: SP http://www.consumerismcommentary.com/2008/07/03/get-cash-rebates-for-buying-gas-with-credit-cards/#comment-161173 SP Thu, 03 Jul 2008 18:37:55 +0000 http://www.consumerismcommentary.com/?p=3397#comment-161173 I earn my measly $5 on my discover card and use it for little else (i've had it for years). My other card is a Chase Freedom Visa, which has solid all around cash back. The blue cash is nice, but I think it would take me awhile to hit the $6500, even charging all my expenses. I earn my measly $5 on my discover card and use it for little else (i’ve had it for years). My other card is a Chase Freedom Visa, which has solid all around cash back. The blue cash is nice, but I think it would take me awhile to hit the $6500, even charging all my expenses.

]]> By: Wayne http://www.consumerismcommentary.com/2008/07/03/get-cash-rebates-for-buying-gas-with-credit-cards/#comment-161121 Wayne Thu, 03 Jul 2008 13:29:19 +0000 http://www.consumerismcommentary.com/?p=3397#comment-161121 For the Costco card, there is an individual and business card. For individual, it is 3% on gas and for business, it is 5%. For the Costco card, there is an individual and business card. For individual, it is 3% on gas and for business, it is 5%.

]]> By: ebj http://www.consumerismcommentary.com/2008/07/03/get-cash-rebates-for-buying-gas-with-credit-cards/#comment-161119 ebj Thu, 03 Jul 2008 13:24:18 +0000 http://www.consumerismcommentary.com/?p=3397#comment-161119 Chase PerfectCard Mastercard gives 3% cash back for gas station purchases of up to $500/month (not just gasoline!) and 1% back on all other purchases - no limit. These are actual cash amounts subtracted from your balance due each month... no need to accumulate "points" or submit rebate requests. I pay everything with this card just because it's effortless on my part. Chase PerfectCard Mastercard gives 3% cash back for gas station purchases of up to $500/month (not just gasoline!) and 1% back on all other purchases – no limit. These are actual cash amounts subtracted from your balance due each month… no need to accumulate “points” or submit rebate requests. I pay everything with this card just because it’s effortless on my part.

]]> By: russ http://www.consumerismcommentary.com/2008/07/03/get-cash-rebates-for-buying-gas-with-credit-cards/#comment-161108 russ Thu, 03 Jul 2008 12:06:24 +0000 http://www.consumerismcommentary.com/?p=3397#comment-161108 I use Blue Cash for EVERYTHING. I pay it off every month and have so far earned over $500 this year cash back. It's going in the vacation fund. I use Blue Cash for EVERYTHING. I pay it off every month and have so far earned over $500 this year cash back. It’s going in the vacation fund.

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