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#1
12-13-2025
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Activity: 69% Longevity: 40% | |  Is 3% rebate good enough?
I have been using my BAC credit card for online transactions ,it gives me 3% rebate,is that good or bad?
There is another card which gives 5% for restaurant dining?
What is your experience?
Last edited by agent006140; 12-14-2025 at 09:19 AM.
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#2
12-14-2025
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Activity: 57% Longevity: 54% | | Re: Is 3% rebate good enough?
I've found it makes little difference in regards to account operation
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#3
12-14-2025
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Activity: 69% Longevity: 40% | | Re: Is 3% rebate good enough?
It makes some difference to me,
yesterday I went to make payment via Paypal,using my BAC 3% VISA,right there it takes 3% off ,then it tells me I have $40 more for my next purchase>
Not sure who is giving me $40,Paypal or BAC Visa?
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#4
12-14-2025
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Activity: 92% Longevity: 85% | | Re: Is 3% rebate good enough?
Quote:
Originally Posted by agent006140  It makes some difference to me,
yesterday I went to make payment via Paypal,using my BAC 3% VISA,right there it takes 3% off ,then it tells me I have $40 more for my next purchase>
Not sure who is giving me $40,Paypal or BAC Visa? | Paypal likely - promotion
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#5
12-14-2025
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Activity: 69% Longevity: 40% | | Re: Is 3% rebate good enough?
Paypal did give me something when I applied for its credit card,but this is BAC Visa.
When Ebay stopped accepting AMEX,we could still use AMEX via PAypal,so AMEX sent its members $10 to use it via Paypal,NICE !l
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#6
12-15-2025
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Activity: 92% Longevity: 85% | | Re: Is 3% rebate good enough?
Quote:
Originally Posted by agent006140 Paypal did give me something when I applied for its credit card,but this is BAC Visa.
When Ebay stopped accepting AMEX,we could still use AMEX via PAypal,so AMEX sent its members $10 to use it via Paypal,NICE !l | I vaguely remember that promotion - you made use of it?
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#7
12-15-2025
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Activity: 69% Longevity: 40% | | Re: Is 3% rebate good enough?
yes,I did,$10 is better than no dollar !
AMEX has better customer service than banks
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#8
12-15-2025
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Activity: 92% Longevity: 85% | | Re: Is 3% rebate good enough?
And what did you purchase?
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#9
12-15-2025
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Activity: 69% Longevity: 40% | | Re: Is 3% rebate good enough?
I dont remember,but then I have to pay $95/year for my AMEX card
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#10
12-16-2025
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Activity: 92% Longevity: 85% | | Re: Is 3% rebate good enough?
Quote:
Originally Posted by agent006140 I dont remember,but then I have to pay $95/year for my AMEX card | As long as you make use of the full perks of the card for that annual fee
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#11
12-16-2025
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Activity: 69% Longevity: 40% | | Re: Is 3% rebate good enough?
6% cash rebate on grocery and online transactions!
I always wonder why these cc issuers are so generous when you sign up and the cash rebate you receive,they can do so as they figure you will not make full payment each month and they earn like 30% interest APR from your balance
Last edited by agent006140; 12-16-2025 at 10:02 AM.
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#12
12-17-2025
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Activity: 92% Longevity: 85% | | Re: Is 3% rebate good enough?
Quote:
Originally Posted by agent006140 6% cash rebate on grocery and online transactions!
I always wonder why these cc issuers are so generous when you sign up and the cash rebate you receive,they can do so as they figure you will not make full payment each month and they earn like 30% interest APR from your balance | Of course - they profit on many who can't make the full payment on time and accrue interest...
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