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Reward Credit Cards – What’s in My Wallet?

Written by Nickel - 12 Comments

Editor’s Note:  These offers expired and are no longer available.

Every year around this time I start re-evaluating our reward credit cards… After all, the holiday shopping season often brings new credit card promos. For example, two years ago Citi was running some really nice November promos, and we got a great deal with the Citi AT&T Universal MasterCard and the Citi Driver’s Edge MasterCard. For both cards, we got a nine month stretch of 5% rewards on every single purchase that we made. After that, it reverted to 5% on gas, grocery and drugstore purchases and 1% on all else. But we ripped through the reward limits — $300 on the AT&T card, and $500 (at the time, now $1000) on the Driver’s Edge card — before moving on to another 5%/1% reward card, the Citi Dividend Platinum MasterCard. All in all, this has been a fairly profitable thing for us, with the majority of our free money in 2005 (nearly $1800) coming from credit card rewards. So where do we currently stand?

Well, right now we have two main cards, as well as a backup. Unfortunately, Citi ‘downgraded’ the AT&T Universal card from a cash rewards card to a ‘Thank You Redemption’s card. Thus, while you can still earn a decent reward, you have to cash it in for store gift cards as opposed to straight up money.

Our two main cards are:

Citi Dividend Platinum MasterCard
Citi Driver’s Edge MasterCard

Note that both of these cards can also be used in the Citi Thank You Redemption network.

So in the final analysis, it looks like the Driver’s Edge card is currently the best out of these options.

Published on November 15th, 2006
Modified on March 20th, 2014 - 12 Comments
Filed under: Credit Cards

About the author: is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!

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12 Responses to “Reward Credit Cards – What’s in My Wallet?”

  1. 1
    jim Says:

    If you have student loans, the Thank You points can be converted on a 100 points to $1 basis (making it a straight 1% cashback card or whatever percentage you get).

  2. 2
    jill Says:

    I am using discover for 3 months because it’s 5% back right now on all eating out and gift shopping. They have that 4x a year better rewards. Also American Express True Earnings gives 3% back on eating out all the time, 2% on travel so I use it for those two things along with costco which you get 1%. Finally the basic card for most stuff is Citibank Simplicity Cash Back, 5% cash back and 1% everything else, but it has no late fees, in case you ever forget. I think I did the same as you on my blog, I posted my year to date earnings on my stuff.

  3. 3
    jim Says:

    Oh, the Citi Dividend Platinum MasterCard is only 2% on gas/supermarket.

  4. 4
    moneysmartlife Says:

    Do you ever worry about how signing up for many different cards will effect your credit score? Have you seen any problems with it?

  5. 5
    More Merchant Says:

    I am leary about switching cards as this can hurt your credit score.

    Has this affected you in the past?

  6. 6
    DAMARI Says:

    WHAT ABOUT CITIBANK ETHICS AND THE LIES THEY TELL

    ALL I WAS TRYING TO DO WAS PUT MY DAUGHTER FIRST
    HOW DID CITIGROUP MAKE THE LIST OF THE 100 BEST COMPANIES FOR WORKING MOTHERS TO WORK AT??????
    MOTHER FIRED VIA UPS 13 DAYS BEFORE CHRISTMAS AND STILL CITIBANK LIES TO CLIENTS ABOUT WHAT THEY DID
    IF YOU RECEIVE THIS A SECOND TIME I AM SORRY
    ALSO FEEL FREE TO POST AND FORWARD OUR STORY TO ANYONE YOU THINK COULD HELP US, THANKS

    Corporate America needs to be kinder to their employees. The Citibank manager did not follow policy and guidelines for terminating an employee and also violated Ca. Labor codes., I feel that Jeff Ursino fired me because he just did not like me.He harassed me and made up rules as he went along, he over looked other employees actions and was on a war path to get me out of there.What kind of man fires you while you are at home ill and calls to see if you are coming into work although he had my doctors note in hand? A very weak man. Jeff Ursino even used another employees name on the UPS envelope address label as if someone else was sending me this letter of termination, that is weak. If he was so sure about what he was doing why not put your own name on the envelope? If he had followed the guidelines I would feel better but he was just out to prove that he was the ‘man’ in charged. He was not equal and fair and I will not stop until I get justice, justice for me and all those wrongfully terminated for all the wrong reasons and who are afraid to go up against Corporate America.
    Thank you for your time and suggestion, I have already contacted US labor dept, EEOC, DFEH, Office of Thrift Supervision, Office of Currency, just about every Senator, Ca. Governor and so much more. Someone has to stand up and I guess that someone is me.

    ON SATURDAY I RECEIVED A LETTER FROM CITIGROUP THANKING ME FOR MY FIVE YEARS OF SERVICE YET THEY JUST EXPLAINED TO THE DFEH WHY THEY FIRED ME
    PLEASE HELP US GET TO THE TRUTH
    GETTTING THIS LETTER WAS VERY DISTURBING SINCE I FEEL I WAS WRONGFULLY TERMINATED
    I HAD NO PLANS TO LEAVE CITIBANK IN CARMEL
    THE LETTER EVEN STATES TO ANOTHER 5 YEARS BUT THEY FIRED ME!!!!!
    A FEW DAYS LATER I RECEIVE ANOTHER LETTER CONFIRMING THAT I WAS FIRED!
    HOW MESSED UP IS CITIGROUP??

    Subject: IS IT LEGAL TO LIE TO THE DFEH & US DEPT OF LABOR? CITIGROUP DID & THEY LIE TO CLIENTS IN CARMEL PLEASE READ THIS LETTER SENT TO THE MONTEREY HERALD
    The Monterey County Herald
    Attn: Herald Executive Editor, Carolina Garcia
    Monterey, CA 93940
    cgarcia@montereyherald.com
    (831) 646-4306
    Ms. Garcia,
    I have attempted through several sources to clarify my
    position regarding my unfair treatment by my previous
    employer, Citibank. I had no previous plans to leave
    my position as Head Teller at the Citibank branch in
    Carmel. After 4 years of employment with the company,
    the unfair and unequal treatment of employees led to
    medically supervised work-related stress. The manager
    of the branch then accused me of job abandonment which
    led to my termination via UPS delivery on December 15,
    2005, while I was at home on medical leave.

    Subsequent to my termination, I received numerous
    correspondences that referenced me as terminated, no
    longer with the company, and as a former employee. My
    401K and pension have both been forwarded to me.
    However, when interviewed by the Department of Fair
    Employment and Housing, Citibank representatives
    reported that I was terminated due to not personally
    reporting my absence, but rather having medical
    documentation reported by my physician. When
    interviewed by the U. S. Department Wage and Hours
    Division, Citibank representatives reported on August
    8, 2006, that I was still an employee of the company
    and that a letter indicating such would be forwarded
    to me. To date, this letter has not been received.

    I have continued to be in contact with several clients
    that have stated that Citibank representatives
    indicated that I was either on vacation, or that I
    voluntarily resigned in order to work with my husband
    in his new business. This is absolutely untrue. It was
    my intention to continue my employment as the benefits
    were extremely important to me, as well as to my
    family.

    Clearly, there has been a gross misrepresentation by
    Citibank, either to its clients or to the U. S.
    Department Wage and Hours Division. It is my position
    that I was unfairly terminated by Citibank. The
    unscrupulous behavior of Citibank and its
    representatives, locally and at the corporate level,
    is unacceptable.

    It is also my opinion that if a corporation as large
    as Citibank is representing itself on a local level,
    the local management and staff should act accordingly.
    A large part of the attraction of the Monterey area is
    the sense of community that is felt here on a day to
    day basis. If Citibank is allowed to misrepresent its
    actions to clients and government agencies, where will
    the corporate takeover end?
    SINCERELY

    Damari Stratford
    dcsbears@aol.com
    1291 ORD GROVE AVE, SEASIDE CA 93955
    831-583-9077
    Subject: Re: Your message to the governor was received
    THE GOVERNOR HAS WRITTEN ME TWICE AND SAID HE WOULD
    HELP,, CITIBANK HAS LIED TO THE DFEH AND US LABOR DEPT
    WAGE AND HOUR DIVISION AND TO THEIR CLIENTS ABOUT MY
    STATUS, I NEED HELP, HOW CAN I FIGHT WHEN THIS
    CORPORATION IS TELLING LIES AND HAS ALL THE LAWYERS
    THEY NEED AND I CAN’T AFFORD ONE. HOW MANY TIMES ARE
    THEY GOING TO GET AWAY WITH MISTREATING EMPLOYEES
    ON 8/8/06 RONAN FROM THE US DEPT OF LABOR WAS TOLD BY
    A CITIBANK ATTORNEY THAT THEY WOULD SEND ME A LETTER
    EXPLAINING MY STATUS AS STILL AN EMPLOYEE, I HAVE YET
    TO GET THIS LETTER, HOW LONG DOES IT TAKE TO PUT A
    LETTER TOGETHER IF THEY ARE TELLING THE TRUTH?
    YOUR OFFICE AS WELL AS THE FIRST LADY’S OFFICE HAS
    CALLED ME BUT WE AREN’T GETTING ANYWHERE. IT HAS BEEN
    7 MONTHS SINCE I FIRST WROTE THE GOVERNOR. CITIBANK
    ATTORNEYS HAVE CANCELLED 2 DEPOSITIONS AT THE LAST
    MINUTE THE LAST INE THEY CANCELLED WAS AFTER TALKING
    TO THE US LABOR DEPARTMENT,WHY?
    MY JOB WAS VERY IMPORTANT TO MY FAMILY AND I PLEASE
    HELP ME AND MY FAMILY AND ALL THOSE BEFORE ME THAT
    HAVE BEEN WRONGFULLY TERMINATED BY CITIBANK FOR NO
    GOOD REASON
    WHY IS EVERYONE SO AFRAID OF CITIGROUP? WHY CAN’T I
    FIND AN ATTORNEY WILLING TO STAND UP TO THEM ON A
    CONTINGENCY BASIS? I VOTED FOR THE GOVERNOR AND I NEED
    HIM NOW
    PLEASE CALL ANN FROM THE DFEH AT 408-277-1916 THEY
    TOLD HER THAT I HAD CALLED IN ILL ON 11/15/05 AND THAT
    I TOLD THEM I WOULDN’T BE IN, THIS IS A LIE I WORKED
    THAT DAY AND I CAN PROVE THIS WITH MY IME CARD, THEN
    THEY SAY THEY MADE AN ERROR
    PLEASE CALL RONAN AT 415-744-5590 EXT 226 FROM THE US
    LABOR DEPT TO VERIFY WHAT CITIBANK ATTORNEYS SAID. THE
    ONLY REASON THEY OFFERED ME FMLA IS BECAUSE I FILED
    FOR DISABILITY, BEFORE THAT THEY HAD PAID OUT MY FINAL
    PAYCHECK, FIRED ME VIA UPS, SENT ME COBRA INFORMATION.
    PLEASE HELP US PLEASE SEE THAT THE GOVERNOR GETS THIS
    EMAIL AND ASK HIM TO MAKE A CALL ON MY BEHALF
    CORPORATE AMERICA NEEDS TO TAKE BETTER CARE OF THEIR
    GOOD EMPLOYEES AND NOT ALLOW A MANAGER WITH BAD SKILLS
    TO FIRE SOMEONE JUST BECAUSE HE WANTS TO
    SINCERELY DAMARI STARTFROD
    MOTHER WIFE HUMAN BEING AND I VOTED FOR THE GOVERNOR
    I MATTER TOO!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
    CITIBANK IN CARMEL LIES TO CLIENTS ABOUT WHY I AM NOT
    THERE. THEY TELL PEOPLE THAT I AM ON VACATION OR THAT
    I LEFT TO WORK FOR MY HUSBAND INSTEAD OF TELLING THEM
    HAT THEY FIRED ME AFTER MY DOCTOR FAXED IN A NOTE AND
    CALLED IN FOR ME TO PROTECT ME FROM HAVING MY BLOOD
    PRESSURE RISE. JEFF URSINO AND KATHLEEN MUNOZ LIES TO
    ANN AT THE DFEH AND THEIR LAWYERS LIED TO THE US DEPT
    OF LABOR. KATHLEN WAS DOING THE OVERDRAFT ON HER
    DAUGHTERS ACCOUNTS AND REFUNDED HER OWN DAUHGTER MONEY
    WHILE THE MANAGER WAS ON VACATION. SHE LIES ABOUT
    BEING FIRED FROM WELLS FARGO, SHE LIED TO THE WORKERS
    COMP PEOPLE AND WILL LIE TO ANYONE. KATHLEEN HAD
    INSTUCTED THE OTHER TELLERS TO COOK THE BOOKS BY
    HAVING THEM PUT IN FALSE REFEERALS AND JEFF URSINO DID
    NOTHING ABOUT IT BUT I GOT WRITTEN UP FOR MISSING WORK
    WITH A DOCTORS NOTE. THEY STATE TO ONE AGENCY THAT I
    WAS FIRED AND TO THE OTHER THAT I AM STILL EMPLOYED,
    THEY STATE I WAS FIRED FOR NOT CALLING IN YET I WAS
    RESPONSIBLE ENOUGH TO HAVE MY DOCTOEOR CALL IN AND FAX
    MY NOTE IN DUE TO THE STRESS AND HARRASSMENT BROUGHT
    ON BY JEFF AND CITIBANK, WHERE ARE THE ETHICS IN THIS
    COMPANY

    NOW THEY ARE TELLING MORE LIES TO THE DEPT OF FAIR
    EMPLOYMENT AND HOUSING JEFF TELLS THEM WHY I WAS FIRED
    AND THEIR LAWYERS TELL THE US DEPT OF LABOR THAT I AM
    STILL EMPLOYEED
    PLEASE HELP US GET THIS STORY OUT TO THE WORLD IF IT
    ISN’T TOO MUCH TO ASK:) HOW DO YOU FIGHT LIARS, HOW DO
    THEY SLEEP AT NIGHT
    CITIBANK IN CARMEL 831-624-8258 CALL AND ASK THEM
    WHERE I AM ASK FOR KATHLEEN AND ASK HER WHY SHE LIES
    THIS WOMAN WAS HAVING CITIBANK PAY FOR HER DAUGHTER
    OVERDRAFTS AND HER A TELLER REFUND HER OWN DAUGHTER
    MONEY WHILE THE MANAGER WAS OUT ON VACATION SO WHY
    SHOULD ANYONE BELEIVE THIS UNETHICAL PERSON JUST AS
    JEFF URSINO THE MANAGER OF THE CAPITOLA BRANCH LIES TO
    HIS BOSSES TO MAKE HIMSELF LOOK BETTER PLEASE HELP US
    WE ARE RUNNING OUT OF TIME
    HOW DO YOU FIGHT A CORPORATION LIKE THIS
    Extra! Extra! Read all about it!
    DAMARI AND CITIBANK HERE IS THE TRUTH!!
    To set the record straight!
    Damari was fired by Citibank in Carmel!
    Damari did not leave the bank to go work for her
    husband!!!!
    DAMARI HAD NO PLANS TO LEAVE CITIBANK!
    DAMARI PLANNED ON STAYING FOR ANOTHER 16YRS.
    THE BENEFITS WERE VERY IMPORTANT TO HER FAMILY!!
    DAMARI WAS FIRED VIA UPS WHILE AT HOME ILL DUE TO WORK
    RELATED STRESS BROUGHT ON BY THE MANAGER AND THE
    UNFAIR AND UNEQUAL TREATMENT OF EMPLOYEES
    ALONG WITH BEING THREATEN AND HARASSED
    BY THE MANAGER FOR JOB ABANDOMENT.
    SEVERAL OF
    Citibank clients have TOLD HER that they have been
    told by the staff at the Carmel branch :
    THAT SHE LEFT TO GO WORK FOR HER HUSBAND!
    THIS IS AN OUTRIGHT LIE!!!!
    What else will they lie about?
    Are they ashamed of what was done??
    WHY DO THEY FEEL THEY NEED TO SAY SHE LEFT TO GO WORK
    WITH HER HUSBAND
    ( I DO NOT WORK FOR MY HUSBAND)
    ( I DO NOT WORK FOR JND PLUMBING)
    (NOR AM I ON VACATION)
    INSTEAD OF JUST TELLING THE TRUTH ?
    IS THERE ANYONE IN THE CARMEL BRANCH THAT COULD SWEAR
    TO THIS? NO!

    ENOUGH WITH THE LIES CITIBANK!!!
    IF YOU HAVE BEEN TOLD THIS PLEASE SEND HER AN EMAIL
    CITIBANK TOLD
    THE US LABOR DEPT WAGE AND HOUR DIVISION ,
    ON 08/08/06
    THAT I AM STILL AN EMPLOYEE
    YET I HAVE LETTERS AND DOCUMENTS
    THAT CLEARLY USE THE WORDS
    TERMINATED
    NO LONGER WITH THE COMPANY
    FORMER EMPLOYEE
    AND MY 401K AND PENSION HAVE BEEN SENT TO ME AS OF
    8/24/06 I HAVE YET TO GET THE LETTER FROM CITIBANK
    WHICH EXPLAINS HOW I AM STILL AN EMPLOYEE! HOW LONG
    DOES IT TAKE TO WRITE A LETTER IF YOU ARE TELLING THE
    TRUTH HOW CAN THEY SAY TO THE US DEPT OF LABOR THAT I
    AM STILL AN EMPLOYEE YET THEY TELL THE DFEH THAT THEY
    FIRED ME FOR NOT CALLING IN, WHAT IS THE TRUTH
    CITIBANK??????????
    CITIBANK STATES THAT I WAS FIRED FOR NOT CALLING IN
    YET MY DOCTOR CALLED IN FOR ME THE DAY BEFORE AND ALSO
    FAXED IN A NOTE FOR ME WHICH THE MANAGER RETURNED TO
    ME WITH MY LETTER OF TERMINATION. THEY KNEW THE DAY
    BEFORE THAT I WASN’T COMING IN SO WHY WOULD HE CALL TO
    ASK IF I WAS COMING IN IF IT WAS CLEARLY STATED ON THE
    NOTE AND TOLD TO THEM BY MY DOCTOR TO PROTECT MY
    HEALTH
    JUST MORE LIES BY THE CITIBANK STAFF IN CARMEL

    SENT TO–DCSbears…

    I whole heartedly understand you delemma, and my heart goes
    out to you.
    a few years back, I worked for citibank/corp. for one full year.
    It was without doubt the worst job, and the worst nightmare I have
    ever lived. The treatment of employees was abominable, among many
    other things. .
    I worked with people that had been there for years. They were not treated
    any better, than I was.
    I quit in the middle of the day. I sat in my car for a good twenty minutes
    breathing in what was for me, the most fresh air I had in one year.
    In the following year, at least six people I had worked with, and had been there
    for years, were let go, with the very worst excuses ever. Of course the lost all
    benifits, and retirments.
    Needless to say, I have never again banked with them, or used one of their credit
    cards, or have done any other business with them, whatsoever, and when asked I inform orher companies why.
    I have always…and to this day, informed everyone within earshot, of that disgusting thing, know as “citibank/corp.
    I am sorry they got you. I hope you get them.

    FROM AOL BLOG THANK YOU FOR YOU THOUGHTS
    CITIBANK FIRES ME FOR NOT “FOLLOWING POLICY ”
    YET THEY DIDN’T FOLLOW THEIR OWN POLICY CITIBANK IS UN FAIR AND UNEQUAL TREATMENT OF EMPLOYEES
    WHAT KIND OF MAN FIRES YOU WHILE YOU ARE ILL KNOWING THAT YOU HAVE WORK RELATED STRESS AND YOUR BLOOD PRESSURE IS UP?
    HOW HEARTLESS IS THIS CITIBANK MANAGER WHO COULDN’T WAIT FOR ME TO GET WELL?
    CITIBANK MADE THE LIST OF THE 100 BEST COMPANIES FOR WORKING MOTHERS BUT AS I WAS ATTEMPTING TO PUT MY DAUGHTER FIRST THEY FIRED ME!!!
    I WASN’T GIVEN AN EXIT INTERVIEW NOR WERE MY KEYS ASK FOR BUT THAT IS THEIR POLICY! HE DIDN’T EVEN HAVE MY FINAL PAYCHECK WITH MY LETTER OF TERMINATION AND THEY DEPOSITED IT INTO MY ACCOUNT WHICH IS NOT CALIF CODE
    THE FOLLOWING IS FROM SOMEONE ON LINE
    My heart goes out for you, just know that things happen for a resound and what go around must come around!! I myself am having my own issue with Citibank!!! I was approved for a lone and used my car as collateral which later I contacted them to hand me over the Title for renewal and it?s been now 3 ½ months I have been waiting for it and now have to deal with my vehicle parked without insurance and Citibank?s excuse is that Motor Vehicle can not locate my title and the most frustrating thing is that all the time I call I must have gave my # over 20 times and never get a call back regarding the status of my situation I would have to repeat myself all over again to a new rep??.How frustrating!!! Well that is the story of life??????Drama??????.Good Luck.
    To OCC office

    THank you for your reply and for requesting information form Citibank. Citibank states that I was fired for not following policy but yet they didn’t follow their own policy and guide lines nor were they equal and fair in how they treated each employee.

    Citibank states that I was fired for not calling in, but I did have my doctor call in at the end of my doctors appointment on 12/12/05 and my doctor also faxed on a note. Contact was made with the bank. My doctor called in to protect my health.
    I have copies of some of Citibank policy which are in the employee hand book and from what I have read Citibank and the manager didn’t follow proper procedure. Before firing they are to consider your work performance and take that into consideration and my reviews were very good. I never got a verbal warning just written up and the write up was not correct with errors. Citibank gives an exit interview which I didn’t get nor was I asked to send in my keys.
    Citibank sent me my Cobra papers and never offered me FMLA, when they find put that I was applying for disability or that I was disabled they reinstated my benefits and made them retro to 01/01/06 WHY BECAUSE THEY MESSED UP
    Citibank then sends me a check for about six weeks worth of pay with no deductions for benefits then all of a sudden they start deducting for medical and dental and now I have to pay for these benefits out of my pocket
    Many if Citibank clients have told me they have been told that I left to work for my husband or that I am on vacation.
    Lisa Austin of Citigroup mentioned that when I go back to work they would set up payments for some of these benefits but she couldn’t explain how this would happened after I explained that I had been fired. Is Citibank going to fire me again via UPS when my doctor feels that I am well enough to look for work?
    Citibank didn’t; follow policy to the tee and fires me for not following policy to the tee but had no heart about me being ill and my doctor helping me out.
    Citibank made the list of the best 100 companies for working mother to work at but as I try to put my daughter first they started harassing me with abandonment and corrective action.
    My seniority didn’t matter to them.
    Ronon at the US Dept of labor, wage and hour division ( 1-415-744-5590 ext 226 ) was told by Citigroup attorney that I was still employed and they would send a letter to explain but the letter never came.
    Citibank fired me while in the middle of a workers comp pending case.
    Ann at the DFEH ( 1-408-277-1916 ) was lied to by Jeff Ursino and Kathleen Munoz, they explain to the DFEH how and why they fired me.
    Again Citibank violated state labor codes and more.
    Employees which are unethical are still working there and I get fired for having my doctor call in, these employees broke company policy and still have jobs.
    Citibank recently sent me a letter thanking me for my five years of service and it states looking forward to another five years but I was fired on 12/13/05 a few days later a get another letter stating that yes I had been terminated and the stocks that were issued to me for being a good employee had been taken back due to an error in their system. I believe the only error is that I was wrongfully terminated and Citibank is back tracking trying to cover up their mistakes.
    My pension and 401k have been sent to me due to termination and then I get the letter saying looking forward to another five years.
    Jeff Ursino knew that the tellers were cooking the books and none of them were written up or fired. Kathleen was refunding her daughter money and having Citibank pay for her overdrafts and she still has a job and Jeff knew about this. Unfair unequal treatment of employees.
    Why did it take Citibank a few weeks to give me a clear reason as to why I was fired? Why was my final check deposited into my account, why was I fired via UPS, Why was my final check not ordered until 12/14/05? Why did Chrys Smith call workers comp on 12/14/05 to see if my case was going to be denied but yet didn’t bother telling them that they had already fired me? This is violation of code 132A.
    Why doesn’t the staff at Citibank in Carmel simply say “she is no longer with us” instead of all the lies?
    Why was Citibank so strict with me and the policy and yet not the other employees?
    Why was it ok for Andrea to change her schedule but not me and I had the seniority over her?
    Citibank told the Office of Thrift Supervision that they were dealing with it internally and the office asked them to send me a letter of explanation yet they never did.
    How many other state codes have they ignored and violated?
    Jeff Ursino states that he was calling to see if I was coming in yet he returns to me the faxed in note by my doctor with my letter of termination which clearly stated that I would be out for a few more days? Jeff knew I wasn’t coming in he just fired me because I wanted to communicate via email to protect my blood pressure and stress level. Is it against the law to protect yourself? They wamt to hold me to the letter of theit policy but don’t follow their policy or state codes to the letter of policy.

  7. 7
    Credit Cards PI Says:

    Unfortunately, the Citi Dividend card lowered it?s cash back reward from 5% to 2%. This was a major blow; especially for existing card holders who suddenly had their program terms changed.

    In my opinion, the 2 best offers left are the AMEX Blue Cash and Discover Platinum cards. Both still offer 5% cash back with unlimited rewards. But if you want a Visa or Mastercard, you?ll have to stick with the Dividend card, or possibly the Chase Freedom card.

  8. 8
    Rambling News Says:

    Since you have a Citi Bank Platinum Dividends Card, you should also look into adding on the Merchants Network through Citi Bank. It’s free, and they offer somewhere around 1-7% cash back on online stores, retail stores, travel sites, etc. The best part is if you make purchases from those places, the cash back is unlimited, which means it doesn’t count to your $300 limit…you can earn as much as you want. Just another way of expanding your cash back with the same card.

  9. 9
    DAMARI Says:

    Thank you for all the comments, good, bad and indifferent.For those of you whom I upset I am very sorry. It has now been about a year and things are moving along, yes I have had some, alot of therapy, this hit me hard but we are moving on. I have 2 attorneys dealing with this. I admitt that I had alot to learn and I have learned that we really don’t matter to corporate America it really is just about profits. My fight is not just for me but for all those wrongfully treated by corporate America. I didn’t realize that all caps was so offensive, sorry to that one. Life is all about learning and this was a very hard lesson for us. Again, sorry if I offended anyone I am getting better now. As far as the manager goes, he will just have to live with what he has done and I wish him and his family the best hoping that no one ever treats them as he did us. God Bless Us All

  10. 10
    Jim Mulligan Says:

    I just received a letter that my Citi Dividend card drops from 5% to 2% on July 14. Several years ago Citi cancelled my AT&T Universal card with no renewal option and I lost my accumulated reward(I was a charter member of AT&T Universal). I think Citi just bought for mailing list and did not want to continue rewards.
    What I don’t like about Citi Drivers Edge is that you cannot get a cash refund. My Dividend card was converted from Drivers Edge before they had rewards. I have to keep using Citi Dividend until the 2% reward reaches $50, or I will never get my $50.
    I hate giving any business to Citi, because they keep changing the deals. Here is hoping somebody other than Citi offers better deals.
    I use Chase Freedom 1% for all else, and Shell 5% for gas; these both do not have a history of cancelling deals like Citi does.

  11. 11
    Jim Mulligan Says:

    Question: Am I correct that there are no longer any cards that offer 5%+ cash back reward (permanently) on supermarkets?

    Discover rewards change by category 4X per year, and I do not believe that “supermarkets” are a category.

    Citi Drivers Edge is 6% for only 12 mths-so, not permanent. Then drops to 3% thereafter. Reward is not in cash, but has to be used at certain retailers. I will bet Citi cuts the 3% to 2% before another 12 mths passes.

  12. 12
    Damari Says:

    To whom it may concern, 10/03/2007

    A CRY FOR HELP

    Please help the little person fight corporate America and their lies and false statements

    On, Feb. 16, 2006 someone representing Citigroup Inc at One Court Square, 14th Floor, Long Island City, NY 11120, submitted a rebuttal to Ann Luekeman, Consultant for the Department of Fair Employment and Housing at 111 N Market Street, Suite 810, San Jose Ca 95112, and the statement entered is false and full of lies . Ann Luekeman also conducted the interviews for the investigation and was also lied to by Jeff Ursino and Kathleen Munoz during their interviews. I feel that the case needs to be investigated due to the fact that the DFEH made their decision with false statements submitted by Citigroup attorney and their employees. Sheri Paulo, the Employee Relations director for Citigroup was aware of the false information submitted yet even though they/she said they would submit a new statement they did not and stood by the lies knowing they were lies. I was wrongfully termination, harassed, by Jeff Ursino, and I can’t understand how an attorney lies to the DFEH and then they aren’t held accountable. This is unethical behavior on all those whom lied and I have to pay for their lies. Citigroup violated several Ca labor codes in the process of firing me nor did Citibank follow their own firing procedures. I was not offered FMLA until months later.
    I am begging that someone out there will help a mother who was simply trying to work be a mom and a wife making a honest living yet the manager and supervisor both lied as well as the Citigroup lawyers. Their lawyers requested more time to answer the DFEH yet submitted false information and this is unethical, please help us. I have been on disability since I was fired on 12/13/05 via UPS, I did not know I had lost my job until 12/15/05 because I was out on a workers comp pending case when I was fired. Violation 132A.My last pay check was direct deposited into my checking account, it was not included with my letter of termination. I would like to know who submitted these false statements for Citicorp and or Citibank and Citigroup. I don’t have a team of attorneys as they do or the funds to hire the right attorney to get to the truth. Please help us.

    Sincerely,

    Damari Stratford
    1291 Ord Grove Ave
    Seaside, Ca 93955
    831-236-0112

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