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Old 01-28-2012, 02:22 PM   #46
SuzyQue
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Originally Posted by ValpoCory View Post
Remember, if you have a Chase Freedom card, you get 5% back (in cash) on gas purchases 6 months out of the year in 2012, and 1% in the other 6 months, for a 3% average cash back. Compare that with the 2% year round rewards in a gift card form for the Premier. Same thing with the Target Visa ... 5% off in cash instantly there. Make sure you analyze the opportunity cost of not taking advantage of better rewards cards.
Couldn't have said it better myself. I'm sticking to my "no annual" fee cards for the 5% categories, and the 2%/3% all the time categories, with occasional big ticket items going to my current Disney Visa. The rewards cash then goes into my ING account (such as it is) and can be spent on anything involved in our Disney trips, not just "Disney related" items.
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Old 01-28-2012, 02:55 PM   #47
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How do you know what qualifies as a grocery store?

There are a few independently owned grocery stores in my area that we go to every so often. I'd want to know if they count before I go!
I don't know if there's a "master list" that you can call & get or not. On my year-end statement it breaks all my purchases down into each category, so from that I can see the places I have already used, and what they fall under.
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Old 01-28-2012, 03:48 PM   #48
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I did about 15 hours ago :D

I have a trip to Disney planned for May '12 (had to change from August) so when I start paying on it and all that, plus I plan to use my card for almost everything and pay it off at the end of the month
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Old 01-28-2012, 04:12 PM   #49
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Originally Posted by TaraPA View Post
I don't know if there's a "master list" that you can call & get or not. On my year-end statement it breaks all my purchases down into each category, so from that I can see the places I have already used, and what they fall under.
I got my year end list as well. Funny thing is when they did the 4% bonus rewards last year they had Kroger listed as "other" on the form it says grocery. It also put a $2000 charge to Art of Disney under Entertainment and not Disney. Edible Arrangements were under Home Improvement.
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Old 01-28-2012, 04:34 PM   #50
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UGH ceecee that's frustrating when you're in a bonus period! There had been a lengthy thread on how they catgeorize things a few months ago. I do believe some people had luck calling & disputing the category their charges fell into, in order to re-calculate bonus points.
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Old 01-29-2012, 12:36 AM   #51
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I want the card but my only hestitation is that my current card says Day 1 and DVC member wondering if my new card will say that as well!!

Anyone find out if the cruises are still 6 months intrest free?
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Old 01-29-2012, 12:48 AM   #52
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Originally Posted by kritter View Post
I want the card but my only hestitation is that my current card says Day 1 and DVC member wondering if my new card will say that as well!!

Anyone find out if the cruises are still 6 months intrest free?
I dunno about Day 1 but I asked about my new card saying DVC and they said it would. So I hope that answers 1/3 of your questions :P
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Old 01-29-2012, 05:44 AM   #53
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Where can I find the break down of categories charged last year on the chase site? I know I had an e-mail about it but didn't know about the new card then so I deleted it.
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Old 01-29-2012, 07:42 AM   #54
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Quote:
Originally Posted by kritter View Post
I want the card but my only hestitation is that my current card says Day 1 and DVC member wondering if my new card will say that as well!!

Anyone find out if the cruises are still 6 months intrest free?
We were wondering the same thing but ours says Day 1 and Charter Member. We think it should since our account number is not supposed to change.
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Old 01-29-2012, 07:46 AM   #55
TaraPA
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Quote:
Originally Posted by starwood View Post
Where can I find the break down of categories charged last year on the chase site? I know I had an e-mail about it but didn't know about the new card then so I deleted it.
You can find the categories you charged to on your year end statement. It can be found online under "see statements" then pick "year end 2011."

Quote:
Originally Posted by poohj80 View Post
We were wondering the same thing but ours says Day 1 and Charter Member. We think it should since our account number is not supposed to change.
My current red Mickey head Disney VISA also says Day 1 Charter Member. I upgraded earlier this week so as soon as the new card comes I'll let you know!
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Old 01-29-2012, 09:16 AM   #56
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i did our upgrade on Friday. we've been thinking about switching to the chase freedom to get the 5% cash back, but we are in the middle of a re-fi and I don't want to apply for a new credit card until it is closed. we charge so much in the 2% categories it will more than make up for the annual fee, and then we'll look into the freedom card later in the year once we make enough back to recoup more than the fee.
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Old 01-29-2012, 09:25 AM   #57
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New Premier Account is setup!

Last Thursday I applied, and was immediately approved, for the new Premier card (I chose not to upgrade, but rather apply for another). Today I went online and the new Premier account is all setup and ready to go! I bet my new card is in the mail!
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Old 01-29-2012, 09:39 AM   #58
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Originally Posted by TaraPA View Post
My current red Mickey head Disney VISA also says Day 1 Charter Member. I upgraded earlier this week so as soon as the new card comes I'll let you know!
Thanks so much! I'll do the same!
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Old 01-29-2012, 09:55 AM   #59
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If we have a single card account with two cards (myself and my wife), we only pay one $49 annual fee, correct?
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Old 01-29-2012, 09:55 AM   #60
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No. My Fidelity Amex gives us 2% on ALL purchases all the time and has no fee.

There are not too many places that don't take Amex anymore, but I do have a Visa for those occasions.

I will just save up my 2% rewards from Fidelity and use that for my Disney vacations. I rarely even use my Disney card anymore. What value is $200 in Disney dollars when I can have $400 in cash to use at Disney?

I don't know what "categories" are 2% but I hate playing that categories game.....just give me a strait 2%!

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