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This Week's Tool To Share - My Favorite Credit Card.

By 1~Judi Barrett

Real Estate Agent with Integrity Real Estate Services 116 SE AVE N, Idabel, OK 74745 141871

November 28, 2009 12:34 AM

This week has flown by, what with Thanksgiving, my wedding anniversary, grandchildren out of school all week because of DEER SEASON, mom's health issues, and trying to get ready to leave for The National Finals Rodeo in a few days to watch our son DV Fennell, bareback ride (YAY DV!!!).

I had made a committment to share ever week a tool that I find worthwhile.

With all that's going on, I didn't get this done on Tuesday for Tuesday's Tool To Share, but it's just as worthwhile to share on a Saturday, I think...

But due to everything going on, it was really easy to know which tool to share this week.

I have never been happy in the past with any credit card that I had chosen. They always seem to promise one thing and the fine print then really told you what the promise meant... which often wasn't much!

But - - I have been extremely happy with my PenFed credit card.

It's the one cash rewards card that does what they say they will, so far at least and I've been using it for a couple of years now.

This is the way that I have found them to be:

5% on gasoline purchases made at the pump. REALLY - not just an intro rate to get you hooked.

2% on supermarket purchases.

1.25% on all other purchases.

AND they immediately credit to your account.. it's already been deducted when you get the statement!

There are no fees and their customer service has been super anytime I'm contacted them.

Of course you have to join the PenFed credit union.

There are several ways to join. One of these ways will fit you.

Disclaimer: I receive no compensation whatsoever for telling you about the PenFed credit card...

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Lance Dockins

TEAMED Up with Gurus Mike Morgan and David Good - Edmond, OK

Bringing You the Best Online Marketing - Former XSites Guru

That's a neat card. I like that 5% on gasoline.

Nov 27, 2009 11:44 PM

Sandra Scott

DPR Realty - Payson, AZ

REALTOR of Choice! Payson, Pine & Strawberry, AZ

Isn't that novel. A credit card that does what it says. By the way how is Oklahoma today? My kids live in Ardmore....Two Frogs Restaurant....say hello to Aubry and Angeila. Tell them Mom says hello. And eat some ribs for me.

Nov 27, 2009 11:46 PM

Bill Ladewig

LoanOfficerSchool.com - Escondido, CA

Experience Is Your Advantage

Hi Judi, thanks for taking time out of your busy schedule to tell us about PenFed. Credit cards are cconvenient tools as long as they are paid to zero each month.

Best of luck to DV.

Nov 27, 2009 11:49 PM

"a la mode" Xsites Tips and Info to Maximize Your Results

a la mode Xsites - Real Estate Websites - Jensen Beach, FL

Dynamite. I need to get one. I can't stand some of the card companies I have to deal with now.

Nov 28, 2009 12:03 AM

1~Judi Barrett

Integrity Real Estate Services 116 SE AVE N, Idabel, OK 74745 - Idabel, OK

BS Ed, Integrity Real Estate Services -IDABEL OK

Lance, That was the MAIN reason that I got the penfed card. I had one that started out at 5% but then reduced it. I then had one that didn't recognize Murphy Oil as a gasoline station! I used my GM for a while but I'm probably not going to buy another Chevrolet so that was a waste of rebate funds.... finally found PenFEd.

Nov 28, 2009 12:31 AM

Sandra - Awesome. I get through Ardmore every once in a while. I will stop.

Nov 28, 2009 12:32 AM

Bill, I agree. Pay them when you get the statement. It's the convenience and rebate that I like.

Mike Morgan, I love this one as far as credit cards go... it works great for me.

Nov 28, 2009 12:33 AM

Gary Woltal

Keller Williams Realty - Flower Mound, TX

Assoc. Broker Realtor SFR Dallas Ft. Worth

Judi, the rebates from some credit cards are great. I have done that with the Discover card at times on gas purchases. I also love that you live a diverse life with the rodeo. VERY good!!

Nov 28, 2009 02:29 AM

Matt Listro

National Credit Fixers - Matt Listro - Vernon, CT

Your Credit Repair Expert

Hi Judi: I like the fact that they deduct it for you right from your statement and don't make you jump through hoops to get it!

Nov 28, 2009 02:55 AM

Jane Peters

Home Jane Realty - Los Angeles, CA

Los Angeles real estate concierge services

Wow, PenFed do sound like the good guys in this age of corporate greed.

Nov 28, 2009 03:58 AM

Diane Rice

Rice Prprty Mgmnt & Rlty, LLC, South Holland, IL - Lansing, IL

SFR, SRES, CNC

Hi Judi! You know, we were just seeking a new credit union to join. I did go to the link and saw that the annual fee to join the NMFA is just $20.00, which is what i'd have to do to qualify since we do not meet the other requirements. I will keep you posted if we do take membership! Thanks a lot for the information!

Nov 28, 2009 05:09 AM

Jennifer Fivelsdal

JFIVE Home Realty LLC | 845-758-6842|162 Deer Run Rd Red Hook NY 12571 - Rhinebeck, NY

Mid Hudson Valley real estate connection

Judi I find credit unions have terrific products. It is wonderful when you find a credit card you can be happy with, really finding value in the claims made.

Nov 28, 2009 05:54 AM

Diane, If NMFA is the way that you can join PenFed, they only require that you be a member when you join... you do NOT have to maintain membership in the NMFA. To get the PenFed card it would be the $20 for NMFA and open an account with PenFed with at least $5. The first month I got more than that back in rebates. The $5 stays in the account and you do not have to keep renewing your membership in NMFA unless you want to...

Nov 28, 2009 08:41 AM

George Souto

George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT

Your Connecticut Mortgage Expert

Judi, it is funny that you chose this topic today, because I was going through my credit cards today to see which to keep and which to stop using. You don't realize the differences in credit cards until you take a little time to examine them.

Nov 28, 2009 12:03 PM

This Week's Tool To Share - My Favorite Credit Card.

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1~Judi Barrett

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