Deals.Woot

no i don't but i used to have the Discover rewards thing back in the day. i was able to pay off one month's minimum balance with it.

most of those places that offer tangible items are all marked up. my work used to have this incentive program like that. all of it marked up and based off "points" which coincidentally matched up to approx. dollar amounts. then they showed up on our taxes. i figured, don't bother giving me this, work!

i've seen Exxon offering a $50 restaurant.com certificate if you get their gas card. i see it and shake my head. you can get those certificates for a few dollars. they'll make that much on interest on you quickly.

BTW, my citi APR went up to like 20% or more right before the bank laws went into place. i don't use mine anymore...

I have over $1000 in my Extra Cash account but never find anything I want. I have seen a couple of things that were on clearance but the shipping costs kill the "deal".

I have $400 in Citi Extra Cash, that for the year or so that I've had the card, have never found a way to use.

I just spend about an hour browsing the Extra Cash website, looking for something useful to put my Extra Cash towards, and here's what I found:

1. 10% off gift cards. This isn't steep enough to interest me.

2. Local restaurant coupons: These are pretty decent (e.g. 20% off at the Indian place around the corner), but you only have 2 weeks to use the coupon!

3. Travel activities (I browsed in my local city). These deals are worthless, since you can usually get better activity discounts on Groupon, LivingSocial, etc.

4. Merchandise: All marked-up crap.

5. Clearance merchandise: Mostly crap too, but some of this is nifty. E.g. they have this one Steve Madden dress for $27 that Zappos sells for $34.

In the end, I only succeeded in blowing ~$120 of my Extra Cash, all on restaurant coupons, hoping to be able to give to friends who might be able to use them within 2 weeks!

Citicash isn't cash back. I have $2300 in citi cash, and had another $1000 expire. It's utterly useless -- the deals are terrible. In most cases the deal is that you can get a coupon to save 5% or 10% off of something if you prepay the other 90-95%. then you have to wait for card to be mailed, or carry some stupid coupon around to save 5%? I can't even find things I want to buy on their site anyway. I don't consider that a reward program, I consider it a marketing program to get you to spend more money and to buy out of favor brands. If you are considering a card from citi that offers this "reward program" don't do it. Get a cash back card somewhere. We just used a chase rewards card to get $1000 off a vacation just as a straight cash credit to the card. my Citi cash? useless.