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This card has been discontinued to new cardholders. The material posted here is simply reference material. |
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Bank One Free Cash Rewards Platinum Visa® Card
Issued by Bank One |
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| Total Posts: 10 |
Average Rating:
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Category: Reward - Cash |
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Showing 1 - 10 of a total of 10 Commentaries |
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1-10 |
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| "Great card for those who pay full each month" |
If you pay your credit card in full each month, I highly recommend this card. By your own nature of charging items to your card you get cash back. 1% doesn't seem like much but if you charge around $1250 per month, that's a $25 check every two months! Not too bad.
I can't comment on the interest rate. It doesn't matter to me as I pay in full each month. I assume if you want a lower interest rate that you find another card that can give you more benefits for carrying a balance.
I've had this card for 10 years and it's now my only credit card I carry. As a good customer they've kept increasing my balance on the card. In fact I had to tell them to stop doing that since it was getting out of hand. (But if you need a high limit, then that's a good thing for you.)
It's easy to deal with disputes. Either call them up or email them. You have to fill out a dispute form but once that's in, they usually clear things up w/o much hassle.
Points are easy to redeem at their website.. I think it's www.choosemyrewards.com. Checks arrive to my house in less than a week. It's great!
I only wish that they'd offer bonus points for things. As far as I've known, it's always been a straight 1pt per $1.
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| Most attractive feature: Rewards easy to get; Customer service is useful |
| Least attractive feature: No bonus points.. straight 1pt per $1 always |
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| Posted by: HappyCardholder |
| Date: 5/12/2005 |
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This person does recommend this card.
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| "Great cash back & interest rates" |
| Have had card since 1997. Have 8.99% interest rate with cash back. Fast receipt of checks. Customer Service has been very good. |
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| Most attractive feature: 1% cash back & low interest rate |
| Least attractive feature: none |
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| Posted by: rlk |
| Date: 2/20/2005 |
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This person does recommend this card.
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| "car rental" |
I do not think that it is fair to tell us that we can only rent a car from Hertz or Avis rent a car.
It is our points, why can't we spend it where we want....what is the use of having points if you have to go 60 miles one way, and 60 miles back home just to rent a car? |
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| Most attractive feature: free airline ticket |
| Least attractive feature: you can only rent a car from Avis or Hertz, that is bad........... |
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| Posted by: Tye |
| Date: 1/25/2005 |
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This person does recommend this card.
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| "Free Cash!" |
| This is the best cash back card out there. I have used AMEX and Discover but their cash back starts at 1/4% based on your spending level. They are pretty quick sending the check too. They always tell you 4 weeks, I usually get mine in a week. |
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| Most attractive feature: Free cash back. A full 1% of every purchase! |
| Least attractive feature: None. |
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| Posted by: RJ |
| Date: 10/13/2004 |
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This person does recommend this card.
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| "The best card from this bank" |
I've held variousBank One/First USA cards for more than 10 years and this seems to be the best one of the dozens and dozens of brands they issue.
If you suspect rewards plan cards will change the plan terms on you by surprise, this is a good card! You can get the 1% cash back in $25 increments. If you charge everything, this only takes a few months.
Also, you can choose cash or gift certificates, either by phone or on this web site:
www.choosemyrewards.com
Payment
Instead of mailing checks, I pay on the bank's Web site (monthly or automatically- free service). Currently (4/04), it takes 3 business days to post and you can only schedule 5 days in advance.
Web site also lets you view or download recent statements and download recent months transactions in Excel CSV, Quicken and other formats.
Customer service
Not handled by email, phone only. There is also toll-free fax line 888-593-8302. The more intelligent service agents are in the number shown on the Web site for Web site-related service "Internet division". Service is generally good, but impersonal and employees sound strict. If you are overseas they will mail statements to your foreign address and you can call 302-594-8200 collect for service 24 hours.
Security
Great security. I had someone use my number illegally on the net. I didn't want to get a new card number right away because I would have forfeited my rewards accumulation. So they helped me reject the charge, and set up a block on all Internet-based transactions from any online merchants I had never used before. However, charges from merchants I had used before were allowed to go through. Very slick! I also had a local merchant charge my card for $1000 more than I had authorized, and they credited me back the money.
Privacy Options
When you use any Bank One/First USA card you can request opt-out of any or all of the following: no telemarketing calls from nomktg from any 3rd parties,no convenience checks/no automatic cred line increases, no promotional mail from the bank, no email. 888-868-8618 Opt Out line.
I can't comment on interest rates because I always pay in full. I have had interest and late fee charged once when the payment was not applied on time. I immediately called and paid by phone (no charge to do this). I'm a top customer so they waived the fees. But I wouldn't recommend doing this often! |
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| Most attractive feature: 25 day grace period, 1% cash back, no complicated tier structure |
| Least attractive feature: impersonal service, reward could be juicier |
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| Posted by: A.N. |
| Date: 4/29/2004 |
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This person does recommend this card.
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| "interest rates" |
| The company raised my interest rate from 9.9% to 24.9% even though I made payments every month and on time. They told me it had to do with a credit review. I was close to max on other cards too. I made payments to all of them however. I paid this card off in full. I feel I was abused by their free wheeling options. I would not recommend this card or the company. You will pay more than it is worth. |
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| Most attractive feature: introductory offers |
| Least attractive feature: sneaky crooks |
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| Posted by: Mike |
| Date: 3/25/2004 |
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This person does not recommend this card.
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| "okay card" |
| I used to have Discover card but I wanted a card that I could use everywhere. I also wanted a card that played less games with cashback percentages. I calculated what I tipically spent in a month and determined which card would be the best for me and although some other cards would have given me slightly more cashback. I determined that I didn't want to have to think about how much I was spending to maximize my cashback. Unfortunately they make it more difficult to get your cashback or even to view your statement! The website is very poor and that is the reason I am going to drop this card for one with a better human interface. Maybe I got spoiled with Discover Cards website and ease of rebates but I thats were I am. |
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| Most attractive feature: Straight 1%, fewer games |
| Least attractive feature: Website is useless, getting rebates should be easier |
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| Posted by: Steve |
| Date: 3/25/2004 |
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This person does recommend this card.
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| "Good rewards but takes too long to receive" |
straight 1% cash back is good, but once you accumulate $25 you have to call to request the check(it's not mailed automatically) and you have to wait 4-6 weeks to receive it!
It's better to get a card which credits rewards automatically to your next statement. |
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| Most attractive feature: straight 1% cash back |
| Least attractive feature: takes too long to receive cash back check |
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| Posted by: Igor |
| Date: 1/7/2004 |
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This person does recommend this card.
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| "Straight 1% cash back isn't a bad deal at all" |
As a relative small spender, I only spend about $300-500 per month. Most tiered cash back credit cards aren't good for small spenders; however, Bank One Cash Rewards card gives me $25 cash back (every 6-8 months or so for me) when my reward points reach 2,500. To me, it's a good deal.
Also, one can request some retail gift cards other than $25 check. No need to wait for 1 year to get cash rebates like some other cash reward credit cards. |
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| Most attractive feature: Straight 1% cash back and no 12 month waiting period |
| Least attractive feature: n/a |
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| Posted by: Ballroom_Maniac |
| Date: 12/23/2003 |
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This person does recommend this card.
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| "Best Card" |
| I have used this card now for almost a year. We receive 1% back from all purchases. There are no limitations to what we can buy and only a 60,000 point limitation. That's potentially $600 back in a year, but you even receive 1% for a $100 worth of purchases. |
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| Most attractive feature: Getting the Money I've Spent Back From EVERY Purchase |
| Least attractive feature: We have to call to have our money sent. |
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| Posted by: Sarah |
| Date: 6/6/2003 |
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This person does recommend this card.
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Showing 1 - 10 of a total of 10 Commentaries
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1-10
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