Scratch,

No, he's right for the signature card. For regular purchases, $1 equals 1 point, and 2500 points equals a $25 gift card. But for gas/restaurants/hotels, every $1 equals 2 points. So $500 in gas would equal 1000 points, or the equivalent of $10. Purchases at HD are worth 3 points per dollar.

I spend about $400 a month in fuel, so I earn about 800 points a month for that...

The also don't have to do individual $25 gift certs any more. The last time I cashed in my points I got 1 certificate for the full amount (several hundred dollars) rather than several $25 certificates.

 

? i didn't say he was wrong.... just clarified that they come in $25 increments

 

I use mine every chance that I get. I don't know what the interest rate is because I pay it off every week. They have a handy mobile app that allows access to your account. The points do add up quickly. I use it to pay for all fuel, lodging, phone and insurance bills, anywhere that I can pay with a card and it doesn't cost me extra.

 

The only thing wrong with it is I always spend more than I have in chrome cash certificates at the dealership. Other than that, I've had it a long time and like it.

 

bought a new RG Ultra last August, was gonna pay cash but thought hey, put it on the HD-visa....got almost 600 bucks in chrome cash bill came, paid it off..went shopping ....

 

I've had mine since about 2004 I think. I've never paid a cent of interest on it, and I don't care what the interest rate is on any card, because I always pay my balance every month. The points do add up quickly. I have no complaints with the card or U. S. bank. I use the card for almost all big purchases because you can almost never get a cash discount, so why not use the card and get some chrome cash. Hell - I even charged about $7,500 for my father's funeral a few years ago.

 

I tried doing that when my wife baught her bike, but the dealer would not take credit card for more than a couple hundred bucks. I've also tried it at car dealers, and have never found one that would let me put the price of the car on any credit card. Maybe I need to shop around for different dealers???

 

I thought I saw your response say the math was off. My bad, you didn't.

Sorry dude.

 

Not a bad deal. Just be aware, when you get your chrome dollars, they expire. Just trade them in for a gift certificate that doesn't expire.

 

I currently have 17,436 reward points!

Almost at a $200 gift certificate...hell yeah!