Question
I've been looking around but can only find US Bank (NW) and BOA (Alaska) that offers airline points for debit/atm cards. Any other suggestions or great offers? Any with a 1-1 ratio instead of the 1-2 offers?
Answer
Citibank offers a debit card with 1-1 or 2-1 ratios depending on the account.
http://web.da-us.citibank.com/cgi-bin/citifi/scripts/prod_and_service/prod_serv_detail.jsp?BV_UseBVCookie=yes&BS_Id=AAdvantageCard&M=S
Answer
Originally posted by birdyy:
I've been looking around but can only find US Bank (NW) and BOA (Alaska) that offers airline points for debit/atm cards. Any other suggestions or great offers? Any with a 1-1 ratio instead of the 1-2 offers?
Be careful. When you said debit/atm cards: Many of these only earn you points where you use them in "credit" (signature) mode at the store, not when you use them in "debit" (PIN) mode. So you don't earn miles for using them at your ATM or at other places which you HAVE to enter a PIN to use a debit card. You only earn miles at stores that accept credit cards and let you use your debit card as if it were a credit card.
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There's a Citi/AAdvantage debit card if you have a bank account at Citibank.
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Originally posted by birdyy:
I've been looking around but can only find US Bank (NW) and BOA (Alaska) that offers airline points for debit/atm cards. Any other suggestions or great offers? Any with a 1-1 ratio instead of the 1-2 offers?
Chase also does CO debit cards
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Locally, (Western NY) Key Bank has been advertising a debit card tied to CO. I'm planning on checking it further. I don't mind paying my mortgage (and everything else) with money orders purchased with a debit card, and getting miles for it.
Seems too good to be true, but definitely worth a look.
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I have a US Airways Dividend Miles debit card issued by Bank of America. $30 annual fee, 1 mile for every $2. Spouse card tied to their own DM account is free.
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Here is a link to the Key Bank offer for Continetal One Pass Miles
http://www.key.com/templates/t-ps2.jhtml?nodeID=H-1.16
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Here are the T&C'a for the card. The important stuff is bolded.
"If you have a MasterCard branded debit card issued by KeyBank National Association or its affiliate (collectively, "KeyBank") with its KeyMiles® service mark, and co-branded with marks of Continental Airlines, Inc. ("Continental Airlines"), (as co-branded, the "Card"), you will earn OnePass® mileage for each eligible purchase of goods or services (collectively, "Purchases") made by your using the Card, subject to the terms and conditions below. Your use of the Card will represent your acceptance of, and agreement to comply with, these Rules and all future amendments hereto. The term "you" means the individual signer on the Checking Account who uses the Card.
You must be a member in Continental Airlines' OnePass award program to earn OnePass miles. If you do not have an OnePass Account number, one will be assigned to you by Continental Airlines upon issuance, and you authorize KeyBank to forward your name and address to Continental Airlines for the purpose of establishing a Continental OnePass account.
A $30 annual membership fee will be accessed to your Checking Account if you participate in KeyBank's KeyMiles Debit Card Program.
You will earn one (1) OnePass mile for every two dollars ($2) in Purchases made using your Card. OnePass miles will be credited to your OnePass Account on a monthly basis, after deducting credit adjustments, if any, regarding Purchase transactions with your Card.
You must have signature authority on your KeyBank Checking Account from which funds are withdrawn to pay for Card transactions ("Checking Account").
A maximum of five (5) Cards may be issued per Checking Account.
You will only earn OnePass miles on Purchases as long as KeyBank, in its sole discretion, determines that your Checking Account is acceptable to KeyBank and is eligible for participation in its KeyMiles Debit Card Program. An ineligible Checking Account includes, without limitation, an account that is frozen, restricted, closed, terminated, expired, inactive, dormant, has a legal status, or an account that is subject to litigation or any adverse (or conflicting) claim of any third party.
A maximum of 80,000 OnePass miles per Checking Account may be earned annually by making Purchases.
OnePass miles are not earned by any use of the Card for cash advances (including ATM and check transactions), teller withdrawals, checks paid (including check truncation or electronic checks), point-of-sale cash back transactions greater than the purchase amount, annual fee for the Card, returned checks and other adjustments to your Checking Account.
Each Checking Account must have a unique OnePass Account number except for two situations:
(a) Multiple Cards issued on a joint Checking Account have the same OnePass number, and
(b) If you have more than one Checking Account in the exact same name, you may have Cards issued on those Accounts, each of which may be associated with the same OnePass number.
You will receive bonus miles upon payment of an annual $30 initial membership fee. Annual fees are nonrefundable. You authorize KeyBank to automatically charge your Checking Account for this fee. KeyBank may change the amount and conditions of its offers for miles under its KeyMiles Program from time to time without notice.
Use of OnePass miles is subject to the terms and conditions contained in the OnePass Member's Guide, and related member agreements and advisories, published and amended by Continental Airlines from time-to-time (collectively, "Guide"). If there is any express or direct conflict that is unacceptable to KeyBank between the terms of these Rules and the provisions of the Guide, these Rules will control your rights and duties with respect to KeyBank. Any redemption of OnePass miles is subject to the terms of your OnePass Account and the Guide.
You are responsible for any sales/use tax liability of rewards you may receive related to your participation in the KeyMiles Debit Card Program and the Continental OnePass Program.
OnePass miles are not redeemable in cash. OnePass miles do not constitute credits to your Checking Account and cannot be offset against your obligations to KeyBank.
KeyBank is not responsible for, and has no liability regarding, any disputes involving joint Checking Account holders or authorized users of the Card relating to OnePass miles, disputes involving your participation in or redemption of points under the Continental OnePass Program, or your use of any services or goods purchased from Continental Airlines, its affiliates or alliance partners under the Continental OnePass Program.
You may discontinue your participation in the KeyMiles Debit Card Program at anytime without notice. Key reserves the right at any time without notice to (a) disqualify any Card holder from participating in KeyBank's KeyMiles Card Program; (b) reduce or eliminate all OnePass rewards earned (but not yet credited to your OnePass Account) by use of the Card; (c) add to or modify the terms and conditions of these Rules, (d) discontinue KeyBank's participation in the Continental OnePass Program; or (e) terminate or modify its KeyMiles Debit Card Program.
These Rules are supplemental to KeyBank's then current debit cardholder agreement and applicable Electronic Funds Transfer Disclosure.
These Rules are governed by the laws of the State of Ohio, without regard to its conflicts of law principles. KeyBank's KeyMiles Debit Card Program is void where prohibited by law."
So ... does this mean we can purchase PO Money Orders?
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No MO's PIN transaction dont earn miles.
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Originally posted by clary99:
I have a US Airways Dividend Miles debit card issued by Bank of America. $30 annual fee, 1 mile for every $2. Spouse card tied to their own DM account is free.
We have this too and I was told PIN based transactions earn miles as well as transactions processed like a CC.
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Originally posted by CMW:
We have this too and I was told PIN based transactions earn miles as well as transactions processed like a CC.
Would be very interested if this were true. Do you have a link or any other way of looking at the T&C's?
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Originally posted by BigLar:
Would be very interested if this were true. Do you have a link or any other way of looking at the T&C's?
I have no idea who told CMW (" We have this too and I was told PIN based transactions earn miles as well as transactions processed like a CC.") that, but it's very much clearly contradicted by the T&C's, which you can get to through the Terms and Conditions link in footnote 4 of the main page for this card, which is:
http://www.bankofamerica.com/deposits/checksave/cf/usair_checkcard.cfm
Right there it says: "you will earn Dividend Miles for POS purchases as follows: We take the total amount of POS purchases for a calendar month and subtract any (a) credits related to POS purchases, (b) other adjustments to your deposit account related to POS purchases, (c) cash back from a POS transaction, (d) Quasi-cash transactions, which are transactions convertible to cash and include the purchase of money orders, travelers checks, foreign currency, cashier's checks, gaming chips, and other similar instruments and things of value".
I don't see why any debit card would let you earn miles on quasi-cash transactions except by mistake. The mistake could be on a per-transaction basis, or could be an early loophole in the T&C's (likely to be closed as soon as they figure out it's there). This means you may find anecdotes of people having done this in the past, but it doesn't likely translate into being able to find a card which not only does this now, but will keep doing it for enough months to come so that you'll have time to apply and start using it that way before the game is interrupted.