Archive for the ‘Uncategorized’ Category

Delta Credit Cards: Which One is best for you?

Sunday, August 21st, 2011

Last Reviewed: 8/16/2011

If you like flying Delta, or otherwise want to “double down” on earning Delta award tickets and other perks, then you may want to consider a Delta credit card. The only problem at this point is figuring out which of the 3 personal cards they offer (Delta Gold, Delta Platinum, and Delta Reserve) would best suit you. 

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5 Reasons Why Gift Cards Suck

Saturday, August 14th, 2010

Last Reviewed: 8/14/2010

PlasticIQ has some serious issues it would like to levy against these evil denizens of the consumer ecosystem. Since PIQ is in the business of helping people maximize the value of the rewards, of which redemption of points for gift cards is a common option, it’s vital that we educate our readership.

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How Does Capital One Determine Your Credit Level?

Saturday, August 7th, 2010

Last Updated: 8/8/2010

Capital One has a table on their website with guidelines for how they determine an individual’s credit worthiness—-which in turn impacts which card offers you are eligible for.

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Review of the Schwab Credit Card

Saturday, July 17th, 2010

Last Reviewed: 7/26/2010

Important note: Around 3/31/10 Schwab stopped offering this card for new applicants (though current users of the card are grand-fathered in for the time-being). RIP Schwab.

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Why does PlasticIQ penalize the value of non-cash rewards?

Friday, July 3rd, 2009

Quite simply, in almost all cases, non-cash awards (such as store gift cards, frequent flyer miles, hotel points, etc) are not as valuable as the same cash-equivalent award. For example, would you rather have a $100 Amazon gift card, or $100 in cash. Aren’t they worth the same? The answer is a firm NO.

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Citi Platinum Select Mastercard

Tuesday, May 26th, 2009

The Citi Platinum Select Mastercard does not offer any sort of rewards program, so it’s not of much interest to PlasticIQ, except for potential balance transfers.

Chase Freedom credit card with Ultimate Rewards

Friday, May 22nd, 2009

The Chase Freedom card comes in several different flavors of rewards programs. According to one of the more competent CSRs that I spoke to at Chase, the Ultimate Rewards program is the direction that Chase is moving in.

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Citi Hilton HHonors Visa

Sunday, April 26th, 2009

The Citi Hilton HHonors Visa credit card offers points for everyday purchases, along with additional points for specific category purchases. Points can be redeemed for free nights at Hilton properties worldwide. There is no annual fee for this card.

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Greetings from plasticIQ

Tuesday, April 7th, 2009

Well, we’re almost there. The site has been under development for almost 2 years (one of the pains of being able to work on it only nights and weekends!). But I think we’re close to an official launch.

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Discover Business Miles Credit Card

Sunday, April 5th, 2009

PIQ’s Assessment of the Discover Business Miles Rewards Card

  • The 2 miles per dollar of spend on gas purchases is fairly unexceptional, especially with the travel/gas cap of $5,000 per year (after which point you only get 1 miles per dollar of spend).  There are at least a couple of cards that offer 5 cents per dollar of spend on gas.
  • Additionally, the 2 miles per dollar of spend on travel related purchases is outdone by more focused, higher rewarding cards.

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