Comments on: The credit card I use http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use/ Personal finance blog for college students, recent graduates and everyone else -- including entrepreneurship -- for getting rich. Featured in the Wall Street Journal and New York Times. Sat, 20 Mar 2010 19:43:59 -0700 http://wordpress.org/?v=abc hourly 1 By: Vinny V http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use/comment-page-1/#comment-101650 Vinny V Fri, 19 Jun 2009 19:56:50 +0000 http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use#comment-101650 Ramit, have you ran across a better card than the 'Citi PremierPass® Card - Elite Level' since you wrote this post (and included it in the book)? I'm primarily interested in the free companion tickets and free lounge access at airports offers. Thanks in advance. Ramit, have you ran across a better card than the ‘Citi PremierPass® Card – Elite Level’ since you wrote this post (and included it in the book)?

I’m primarily interested in the free companion tickets and free lounge access at airports offers.

Thanks in advance.

]]> By: George http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use/comment-page-1/#comment-82858 George Fri, 05 Dec 2008 12:39:39 +0000 http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use#comment-82858 This card is good to charge plane tickets BUT the best one is this one: https://www.citicards.com/cards/wv/cardDetail.do?screenID=927 Notice how you earn AT LEAST 3 Thank you Points per dollar!!!! With the Citi® Platinum American Express® Card you’ll earn: * 15,000 bonus ThankYou Points after $300 in purchases within 3 months of becoming a cardmember2 * 5 ThankYou Points for every $1 spent on purchases made at supermarkets, drug stores and gas stations and 3 ThankYou Points per $1 spent on all other purchases for the first 24 months; 1 point thereafter2 * Earn an average of 4 points per $1 spent when you shop through ThankYou.com * Up to 150,000 ThankYou Points in a calendar year2 This card is good to charge plane tickets BUT the best one is this one:

https://www.citicards.com/cards/wv/cardDetail.do?screenID=927

Notice how you earn AT LEAST 3 Thank you Points per dollar!!!!

With the Citi® Platinum American Express® Card you’ll earn:

* 15,000 bonus ThankYou Points after $300 in purchases within 3 months of becoming a cardmember2
* 5 ThankYou Points for every $1 spent on purchases made at supermarkets, drug stores and gas stations and 3 ThankYou Points per $1 spent on all other purchases for the first 24 months; 1 point thereafter2
* Earn an average of 4 points per $1 spent when you shop through ThankYou.com
* Up to 150,000 ThankYou Points in a calendar year2

]]> By: Rich http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use/comment-page-1/#comment-41324 Rich Tue, 20 Nov 2007 05:57:25 +0000 http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use#comment-41324 Hi Ramit, Thanks for the tip on this card. We were looking for a new c-card to keep all our purchases separate for a new condo we recently purchased. The Citibank Premier Pass Elite card now offers the companion ticket when you buy Coach class round-trip for $299 or more, and since we travel often, that's great... And your readers might also want to know that it doesn't restirct to any airline, as it lets you "Travel on Any Airline with No Blackout Dates." And you also earm points for miles travelled on Any airline. I too would be interested in hearing about your own experience with redeeming points for airline tickets, if you've encountered any "gotchas"? Or if it's been smooth sailing. Hi Ramit, Thanks for the tip on this card. We were looking for a new c-card to keep all our purchases separate for a new condo we recently purchased. The Citibank Premier Pass Elite card now offers the companion ticket when you buy Coach class round-trip for $299 or more, and since we travel often, that’s great… And your readers might also want to know that it doesn’t restirct to any airline, as it lets you “Travel on Any Airline with No Blackout Dates.” And you also earm points for miles travelled on Any airline.

I too would be interested in hearing about your own experience with redeeming points for airline tickets, if you’ve encountered any “gotchas”? Or if it’s been smooth sailing.

]]> By: Cze Norm http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use/comment-page-1/#comment-28703 Cze Norm Thu, 09 Aug 2007 01:16:06 +0000 http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use#comment-28703 Do you pay fee to agent when redeem Citi Premier Card miles for tickets? And how much? Do you pay fee to agent when redeem Citi Premier Card miles for tickets? And how much?

]]> By: Edmund O http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use/comment-page-1/#comment-24359 Edmund O Thu, 28 Jun 2007 04:02:27 +0000 http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use#comment-24359 Well the premier pass elite is a great and one of the best you can get if and only if you fly. As you get points for the money spent to purchase the ticket, and earn points for every miles you fly. You can double earn your points, imagine, you have Northwest perks mile + thank you points just for flying. For my gf and I, we usually fly back to Malaysia once a year, and one round trip will give me around 8,000 points plus the airline's own milleage points. I have to agree, for everyday purchases, i will use my dividend 5% cashback, but keeping one Premier Pass for flying is good. So far, i havent seeen any credit card other than Premier Pass that gives you points for every miles you fly... if you know of one, please let me know... =) Well the premier pass elite is a great and one of the best you can get if and only if you fly. As you get points for the money spent to purchase the ticket, and earn points for every miles you fly. You can double earn your points, imagine, you have Northwest perks mile + thank you points just for flying. For my gf and I, we usually fly back to Malaysia once a year, and one round trip will give me around 8,000 points plus the airline’s own milleage points. I have to agree, for everyday purchases, i will use my dividend 5% cashback, but keeping one Premier Pass for flying is good. So far, i havent seeen any credit card other than Premier Pass that gives you points for every miles you fly… if you know of one, please let me know… =)

]]> By: Dan Meehan http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use/comment-page-1/#comment-20723 Dan Meehan Sat, 09 Jun 2007 14:10:43 +0000 http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use#comment-20723 I know this is very late, but have you heard of the Centurion card? My dad has one, and it's a rather expensive thing, however the card pays for its membership fee twice over in a year. However, he had to spend (and pay off) 250,000 dollars to be qualified to get the card. Financially, he's my idol. I know this is very late, but have you heard of the Centurion card? My dad has one, and it’s a rather expensive thing, however the card pays for its membership fee twice over in a year. However, he had to spend (and pay off) 250,000 dollars to be qualified to get the card. Financially, he’s my idol.

]]> By: Joel http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use/comment-page-1/#comment-2631 Joel Tue, 19 Sep 2006 03:55:06 +0000 http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use#comment-2631 The best card (or best mix of cards) depends on a person's spending patterns -- especially how much they spend in each category (e.g. gas, restaurant, home improvement, utilities, etc.). I recently went through this analysis due to changes in the terms of the Citi Dividend card. That analysis inspired me to build a general-purpose tool that anyone can use to find the best cash back card (or cards) for their spending pattern. As far as I know, this tool is currently the only one of its kind. You can see the tool at <a href="http://www.creditcardtuneup.com/" rel="nofollow">http://www.creditcardtuneup.com/</a>. +Joel The best card (or best mix of cards) depends on a person’s spending patterns — especially how much they spend in each category (e.g. gas, restaurant, home improvement, utilities, etc.). I recently went through this analysis due to changes in the terms of the Citi Dividend card. That analysis inspired me to build a general-purpose tool that anyone can use to find the best cash back card (or cards) for their spending pattern. As far as I know, this tool is currently the only one of its kind.

You can see the tool at http://www.creditcardtuneup.com/.

+Joel

]]> By: Laura http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use/comment-page-1/#comment-2630 Laura Fri, 11 Aug 2006 03:02:35 +0000 http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use#comment-2630 Another voice of dissent! I think most people are way better off getting the 3 or 4 hundred cash back and finding their own good deal on a flight to spend it on. Also you could argue that airline miles cards cost you more for all of your flights since you're forced to use one airline, which surely others are sometimes offering a better price. I'd be interested to see what your "savings" are if you tallied up the price difference between the flights you took on the airline you have the card with and the cheapest flight available. Another voice of dissent! I think most people are way better off getting the 3 or 4 hundred cash back and finding their own good deal on a flight to spend it on. Also you could argue that airline miles cards cost you more for all of your flights since you’re forced to use one airline, which surely others are sometimes offering a better price. I’d be interested to see what your “savings” are if you tallied up the price difference between the flights you took on the airline you have the card with and the cheapest flight available.

]]> By: Jeremy http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use/comment-page-1/#comment-2629 Jeremy Tue, 08 Aug 2006 16:41:37 +0000 http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use#comment-2629 I used a United Airlines card during my first few years out of school. During that time I spent enough money (furniture, electronics, travel) to make the annual fee worthwhile. All my spending plus a few trips earned me two tickets to Hawaii. Now that I don't spend or fly as much, I've switched a pair of cash back cards. My Citibank card gets 5% back from gas, groceries and drug stores. I also have a Chase card with 1% back on all purchases and no annual limit, which I use to buy everything else. While I don't earn miles anymore, I just buy cheap flights that I couldn't get with miles anyway. I used a United Airlines card during my first few years out of school. During that time I spent enough money (furniture, electronics, travel) to make the annual fee worthwhile. All my spending plus a few trips earned me two tickets to Hawaii.

Now that I don’t spend or fly as much, I’ve switched a pair of cash back cards. My Citibank card gets 5% back from gas, groceries and drug stores. I also have a Chase card with 1% back on all purchases and no annual limit, which I use to buy everything else. While I don’t earn miles anymore, I just buy cheap flights that I couldn’t get with miles anyway.

]]> By: David Robarts http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use/comment-page-1/#comment-2628 David Robarts Mon, 07 Aug 2006 21:59:10 +0000 http://www.iwillteachyoutoberich.com/blog/the-credit-card-i-use#comment-2628 I use a Citi Diamond Rewards card. 1 point on purchases, no annual fee, bonus points at gas stations & grocery stores (and sometimes special offers on other types of stores). I use my rewards to make payments on student loans. No extra points for flights, but I haven't been on an airplane for years, so that wouldn't help anyway. I use a Citi Diamond Rewards card. 1 point on purchases, no annual fee, bonus points at gas stations & grocery stores (and sometimes special offers on other types of stores). I use my rewards to make payments on student loans. No extra points for flights, but I haven’t been on an airplane for years, so that wouldn’t help anyway.

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