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Originally Posted by safari
My dad has an HSBC card with 1% cashback, but he can only request cashback in incerements of $100, which is ridiculous. It would take him several years to earn that much cashback.
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Sounds like he doesn't use his CC very much. My average monthly CC bill is about $2,500, so I'd hit the $10,000 in charges needed to collect the $100 every 4-5 months.
That's why I always say it is important to be sure the reward card fits the user. While a card like that would be just fine for me, it doesn't make sense for him. I agree with trying to find an alternative that would give him a more realistic reward structure.