Deals.Woot

This is the best cash-back rewards card out there! If you have a Chase checking account, you also get 10 bonus points every time you swipe the card, and at 5 swipes a day for everything from a paper to a cup of coffee, it really adds up!

@gig103: Unfortunately, Amex is also alot less accepted (at least in my area) than Mastercard, Visa, or even Discover

@figgers3036: What's wrong with Chase...? Not provoking, just an honest question. I've dealt with them since 2006 and they've always done right by me so far =O

@tossthedice: Chase has a bad reputation for throwing bills to collections without any good process. While most collections are law-breaking scum, Chase (along with Amex) takes it to a whole new level by even sending out documents that look like court summons.

I just avoid credit cards as much as possible to avoid these scumbuckets.

@tossthedice The whole point here is to use it, pay it off, and then sparingly use it from there on out. If someone actually has credit card debt, then no, don't get more credit cards.

However, if someone just uses credit cards to earn perks/rewards like myself, this is for them. Exactly what @tossthedice said about 2 seconds before me ;-)

got this card a while back they gave me $150 to open it. I have earned another $70 since then its a great card. And there are alot of websites they give you extra points if you click the link on Chase's website.

17.99% APR for GOOD credit? Good lord.

My Chase experience was for a car lease. We turned in the car at the end of our lease, and a week later Chase drafted $8000 out of our checking account. Took over a week to fix while dealing with some very rude customer service. Funny thing...they did it again a week later.

@gig103: Well... sort of. Costco will allow you to charge the member fee onto the card, which cancels out the annual fee.

@mwdraeger: Yeah I think you and I are the Cassandras in this conversation. I wonder how many people forget the lessons of 2006-2008.

I got my $300 from Chase for this card.

They also have "revolving categories" for 5%. I hate the gimmickry, but 5% included gas both last summer and this spring, which ain't bad. (The BP Gas card always gives 5% at BP).

Fidelity has a card that pays 2% on everything, all the time.

If you pay cash for everything, you are subsidizing the people who are paying with credit.

... im sorry i just watched fight club ...

Funny. Those that can't pay a credit card can suffer the consequences. I recently got a $300 from B of A for cash rewards ( 3 months of use)
I'll cancel that card now that I've milked it, and get this one. I have flawless credit, $30k in the bank, and I get probably $1200 a year in flat CASH rewards by swapping cards every 3 months for introductory deals.
Pay it off every month,...then what's there to complain about?

I noticed under the fine print it said Previous and existing cardmembers/accounts are not eligible for this bonus offer. Does that include if you have a checking account with chase or are they just referring to this particular credit card?

This is probably the card I use the most. I think I got less than $300 when I signed up but I don't remember exactly how much it was. It's a great rewards card and I've never had a problem with them.

In for one. 300$ cash back for 500 spent is just too hard to pass up.

Savings in money market accounts won't even keep up with inflation.

There is no such thing as a "high yield" checking account. (unless you are extremely limited on balances and charged high fees) Checking account yields have less than a 1% APR (most offering something like .2%), how the hell would you consider that "high yield"? Plus, there are usually a bunch of rules that comes with these accounts.

You are also forgetting that people SPEND money to LIVE. It doesn't have to be just lavish purchases. Things like grocery items, dining, utilities, bills -- a lot of these things you were going to buy with cash anyway can be used with credit. If you treat your credit card like a cash account, then you only gain from the cash back.

Also, if you don't use revolving credit then your credit score won't be very high. Revolving credit is one of the highest determinants of your credit score. You'll end up paying more in interest on any loan for a house or car if your credit score is low.

@reallybigwang: Though you'll pay a lot less in interest if you pay cash.
And you can still get a mortgage with no credit, because then you'll get a standard mortgage. You know, the kind that didn't cause the market crash, where they check to see if the applicant has fancy things like any assets or a job.

Listen to yourself, please, seriously, I'm pleading with you. You're telling people that it's better to go into debt where you may be charged 18% interest instead of investing money and getting some growth on your money. Too many people are financially on the ropes enough as it is, how could what you're proposing be a solution?

Credit card companies aren't in the business of giving away free money. They're in the business of trying to take as much of yours as possible.

High yield checking is pretty hard to come by, but check your local credit union. I get 2% APR on my checking account, back in 2007 it was up to 4%.

in for one, 300$ just for having a card, cant pass it on.