My Personal Finance Journey

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5% Off Everything With Citi's Driver's Edge

Contributed by mm | December 29, 2004 10:05 AM PST

After some bad experience with Fleet and MBNA during the summer, I had been holding off applying for new cards for four full months. That is until last night, when I made an addition to my credit card portfolio: Citi® Driver's Edge® Platinum Select® Card.

The Driver's Edge card offers the following key features:

- 5% full rebate on everything for the first nine months and 1% thereafter with $500 annual cap.
- Rebates can be redeemed in check for vehicle purchases or as statement credit for vehicle services.
- 0% APR on balance transfers for the first twelve months with no balance transfer fee.
- No annual fee.null

Without much saying, you know I am shooting for the 5% full rebate for the first nine months. With this card, I can jack up my rebate on many purchances from 1.5% or 2% to 5% and achieve a saving of at least $300 with the $500 annual cap. While the cash-out option is restricted to car-related spendings, I have no problem to come up with $500 in service or maintenance cost now that we have two cars sitting in the garage. My new line-up for primary credit card will be:

- 5% rebate on grocery store, supermarket and gas stations via Citi® Dividend Platinum Select® Card
- 10% rebate on restaurants with $50 monthly cap until June via MBNA Cashback Card (two cards with $25 monthly cap each)
- 5% rebate on everything else via this Driver's Edge card.

My online application received an instant approval of a $4,500 credit line. I am waiting for the card now and it must be a good start for 2005!

If you are interested, just click the banner below to apply. Disclosure: I will earn a nominal income if your application is accepted.

(This post is part of PFBlog Product Review series. Check out more reviews here.)

This Post Has Received 4 Comments. Share Your Opinions Too.


--H Commented on January 5, 2005

Hi:

I've just started to follow your blog couple weeks ago.

I also happen to be a guy who likes to go after 'deals' in credit card, checking accounts, etc.

I've read in more than one occasion your reference to MBNA 10% cash back card only for restaurants. I'm not sure if it is the same program, but I have an MBNA WorldPoints Mastercard that actually gives me 10% statement credit (up to $25/month, of course) on EVERYTHING. And it also expires in June 2005, which is why I brought this up, if we have the same card the 10% is not limited just to restaurants.

And for a checking account, I don't think I've read this on your blog. It's a rather recent promotion from Citi for a free iPod. Mininum balance of $2,500 and 2 free bill payments each month for a year, iPod will be sent after 2 months. Maybe you'll be interested.
http://citi.bridgetrack.com/cbol/yahoo/cd2a/default.htm?BT_TX=1&ProspectID=48CFA6B4E76249DF9869AE82CA4CBDAA

Another tools that I'm also using for online shopping are MyPoints and UPromise. I'm sure you've heard about them.

If you wish to communicate outside your blog, you can always email me at HedonistiX@yahoo.com and we can compare notes each month on new deals we are finding.

Thanks.


Swan Commented on March 21, 2005

Is the Driver's Edge still 5% back? I just signed up and it seems to be only 1%. I'll have to call them, but I didn't see any reference to 5%.


mm Commented on March 21, 2005

It's 5% for the first 9 months. It is in the fine print.


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