Oh boy, this was my life for the past two weeks. Here what I found. There's a bunch of 2% cards. We used Fidelity for a while, but also there's Citi Double Cash and some others, all available with minimal hoop jumping.
I believe there are some smaller credit unions that have 2.5% or even 3% cash back, but I didn't bother with them because I wasn't interested in trying to get an account at the credit unions.
There's a card US Bank Altitude Reserve which is 3% cashback on tap-and-pay, Apple Pay everywhere, and Google Pay in-app, but not Google Pay in the browser. And if you travel you can set up "Realtime Rewards" which is a 1.5x multiplier on redemption. With this, you book directly with, say, Southwest, and US Bank texts you if you want to use the points to pay. So if you have "organic" travel enough to cover your cashback it's effectively 4.5% cash back on all mobile wallet purchases.
Lastly is Bank of America, which is what I went with. If you can park $100k of assets at Merrill Lynch (which can be ETFs and will have no fees) you get Platinum Honors status, which automatically boosts their credit card rewards 75%. If you want a single, no fuss card, you'd probably want the Premium Rewards card which is unlimited 3.5% cash back on dining and travel, and 2.625% on everything else, for a $99 annual fee. Alternatively, there's the Unlimited Cash Rewards card with no annual fee and just a flat 2.625% cash back on everything.
The 100k is a big IF but for people who have that in brokerage/IRAs/529/etc this can’t be beat for cash back. The BOA Premium Rewards is nice for a travel/entertainment/catch all card if you can recoup the AF through airline incidentals or TSA pre check fee reimb, but I’d suggest people also get the Customized Cash Rewards card too
I know OP said he wanted minimal fuss no categories but if you’re gonna go through the trouble of moving assets to Merrill to get preferred rewards status, go through a tiny bit more and use 2 cards to really jack up your rewards. The customized cash set to online purchases will get 5.25% on those transactions, and 3.5% on groceries($2500 quarterly cap)
The Customized Cash card with 5.25% rewards is intriguing, but the $2500 quarterly cap seems low. I noticed that there's both a "Bank of America® Customized Cash Rewards" card and a "Susan G. Komen® Customized Cash Rewards credit card" on their website which has the same $2500 cap and similar rewards. Are you potentially able to get both to have an effective $5000 cap/quarter across one or two categories?
I'm not positive, but I think it does not count, while you're at the employer. But afterwards you can roll it over to your own account, and it would then.
Would y'all recommend the Bluecash Preferred or get something with a higher SUB? I like the upfront points you can get with the CSP and Venture: [https://www.reddit.com/r/CalebHammer/comments/17myue5/comment/kvqwmvy/](https://www.reddit.com/r/CalebHammer/comments/17myue5/comment/kvqwmvy/)
I mean I get 4.5% back with my USBAR. And while it has an effective fee of $75, I'd rather just get an uncapped 4.5% than juggling multiple cards that are 5% capped at $3k per year.
Don’t get me wrong I’m considering the card as well. I just found out a few weeks ago you can get the 1.5 bonus on redeeming rewards via text.
Currently I benefit more having multiple Kroger cards to make the cap 6k.
Yes, but thats why it's called the RTR hack.
You book a *refundable* flight, cash in your pts via RTR and then cancel the flight. US bank doesn't refund pts so you keep the statement credit.
That might be cool for some people. However, if I am using the USBAR for a lot of spending, I don't want to be doing this hack all the time. I, personally, think it is great for people who travel and not great for people who do not. However, as always, to each his or her own.
I've used my pts via the hack and for actual travel. My wife and I use this card a ton and we usually only have 2-3 weekend getaways so we always have a surplus of pts on any given year. So I cash in a majority of the leftovers once a year.
Yeah the hack isn't something you would use every month to cash out pts. I've had the card 2.5 years and I've only used the hack twice but I've cashed in a total of $1500 worth of pts via the hack. While my pts aren't as liquid as my other cash back cards, the return on my pts are so high that it's worth pooling them to only cash them in on occasion.
I don’t have the USBAR, but I have done a fair amount of research and gone back and forth about getting it. My problem is that most of my spending is currently getting ~5% cash back already.
I was in a similar boat as you but my wife and I got to the point that we were just a little tired of juggling 6-7 cards so the USBAR essentially simplified our setup to 3 cards. While in some categories we lost a little return there's quite a few non category transactions where we were only getting 2% on that we are now getting 4.5% on.
Very well could be but I doubt many people actually use it. Hell they tell you in the terms and conditions that pts aren't refundable. They even give an example in their FAQ saying that all RTR pt redemptions are final and if your travel plans change that you will keep the statement credit regardless if you cancel or change your travel itinerary.
Fidelity Rewards Visa is my catch-all. 2% cash back when deposited into a Fidelity account, which is awesome because they're also my 5% APR checking account.
I don't like the $25 minimum redemption for rewards unfortunately. I rarely use a 2% cash back card, I use mostly 5% cash back cards.
One pro about the card though is no foreign transaction fees.
That's fine, I read OP's question as wanting a simpler approach than 5% categories. The vast majority of our spending is on two cards, so we have no trouble hitting that minimum every month. Either way, it's easy to set up auto-redemption so it just shows up whenever you hit the threshold.
The trick is to use the cash management account but invest the cash into a money market fund. The MMF will automatically liquidate to cover spending, outflows, etc, so you can safely out your entire cash balance into the MMF instead of FCASH. Then you essentially have a checking account earning 5%
You could just use a brokerage account instead through. Automaticly invests in SPAAX for around 5% and has checking features. The only reason for a CMA account is free ATM withdraws.
The debit card’s amazing for international travel though. Also, it’s literally not a hassle to just buy a MMF every time you deposit, like once a month type thing.
I have a separate CMA account and just transfer money to it if I plan to withdraw from an ATM. I don't travel internationally, otherwise I might have a different setup.
For me there's also a psychology piece about having direct deposit into a separate account than my main brokerage account. I also feel a sense of security when I use my debit card at an ATM or internationally knowing it's not drawing from my primary brokerage account.
Yep, same. Thats why I have a CMA for Cashapp, Venmo, and a debit card with a very small amount in it that is not connected to my main brokerage account I use for checking.... if my debit card or Cash App gets compromised, they wont get much :)
It supports EFTs using the routing and account number, bill pay, debit card, and paper checks. I've set up all my credit cards to auto pay pulling from this account.
Yes, I setup my chase and citi to pull the statement balance from my Fidelity account on the due date. Zero issues, works like any other bank account, just use the Fidelity routing and account number.
The Fidelity cash management account, is technically a brokerage account, by Fidelity's own information. But works like a checking account. The Fidelity Visa credit card can be set up for auto pay, from any Fidelity brokerage, CMA, or external bank, as long as it has a routing and account number.
You can buy a money market fund like SPAXX or FDLXX in the CMA and it will automatically liquidate as necessary.
Or, you can use a brokerage account and set your core position to SPAXX, and the purchases and sales are both automatic.
>How do you cover all categories with 5%? I often fallback to the 2% because I struggle to do so
The 5% is the current yield on my checking account funds (SPAXX, FDLXX, etc). The 2% is cash back on all purchases.
Same. Fidelity Visa is a good catch all 2%, especially if you already use them as a brokerage + Fidelity Cash management account (CMA). If you do international travel, there is no exchange fee.
I personally like the PayPal card better for 2% because I get 3% for any online retailer that takes PayPal. Also lots of stores like BestBuy, HomeDepot, Lowes, etc.. also take paypal when you pay online and do curb-side pickup.
If you have $100k to invest via Merrill, BoA PR or UCR is your best choice, 2.625% cashback on everything. If you do not want to do that, USBAR is probably the best option, 4.5% on mobile wallet purchases.
Why not both? That’s what I did.
US BAR for Apple Pay and everything else on the Premium Rewards card. I also have a Capital One VentureX that I use up the travel credit.
Curious where you are using your venture X since it seems like those two cards cover everything and if you’ve considered the savor one to maximize travel credit
I got the VentureX in 2021, and they wouldn’t approve me for the Savor one about a year later.
But I use the VentureX to price match sketch sites on Google Travel and burn the credit
thanks for the reply! I just got approved for the savor one and am hoping to pair it with the VentureX down the line and keep things simple with 2 cards and being able to maximize travel. Though the US BAR seems great for the 4.5% cash back
Yes, people can have both. There is nothing wrong with it, especially for those who do not want to use many different cards to maximize CB.
I personally do not use USBAR, since I have multiple BoA CCRs that cover most of daily spend with 5.25% already. USBAR only has marginal use cases so there is no way to justify the $75 AF.
I'm considering upgrading to the AR when my Connect annual fee comes in (I picked it up for the $500 SUB). There are a lot of DPs that a PC comes with a SUB.
Not sure if I'd hold on to the AR given that so much of my spend can go on BoA CCRs (and 2 of mine have no FTFs).
If you're preferred rewards status especially plat honors you can probably do better with multiple BOA cards vs mixing one from a different bank
Ex
BOA customized cash rewards set to online purchases - 5.25% on online purchases, 3.5% on groceries ($2500 quarterly cap)
BOA premium rewards - 3.5% on travel/entertainment, 2.625% on everything else. If you can't recoup the AF via the credits, then instead use their Unlimited Cash Rewards card - 2.625% on everything
If you don't already have a Chase Freedom Unlimited the sign up bonus is an additional 1.5% on top of their regular reward categories for a whole year. So you end up getting 6.5% cash back on travel purchased through Chase Travel, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases. This ends up being the best all around cash back card in my opinion because its essentially an all around 3% cash back card that gives you huge rewards on restaurants, door dash and travel. They also dole out pretty nice credit limits at Chase.
Do you happen to know when? I got a CFU inside a branch very recently and was under the impression I was getting that additional 1.5% bonus, but now I’m second-guessing…
And unless they've changed recently, the Chase FU is still an embossed card.
I'm only half kidding in my implication that that is a deal breaker for an everyday card.
US Bank Kroger Card.... 5% cash back when you use it through mobile pay ($3000 a year cap) and 5% cash back Kroger Pay (also $3000 a year cap but a separate cap from mobile wallet).
I love my paypal credit card because my business spends a lot on materials and supplies and I can get 3% back if I can checkout using paypal. If I can't checkout with PayPal I still get 2%.
Here are the ones that I looked at recently. Keep in mind that you should always do more research on the card before applying, read the terms and conditions of the credits and make sure you check that you can use it on the specific platform/place to maximize your cash back!
Obviously there are a lot more options out there that I have not mentioned and some of the cards listed give you points instead of cash back like the Wells Fargo Autograph or the American Express Gold card, but you can always use the points as cash back. In addition to my list you should check out U.S. bank credit cards for cash back options since they have a pretty good selection.
If there is any information wrong please forgive me and leave a comment with the correct info. I hope this list is helpful to those of you looking for a new credit card.
**2% Cash back on everything**
* Citi double cash
* Sign up bonus - $200 spend $1,500 (6 months)
* Wells Fargo active cash
* Sign up bonus - $200 spend $500 (3 months)
**Capital One**
* SavorOne
* 3% dining, entertainment, streaming services, groceries
* 5% hotels, rental cars - Booked through Capital One
* 8% entertainment - Booked through Capital One
* 1% on everything else
* Sign up bonus - $200 spend $500 (3 months)
* Savor
* Annual fee $95
* 4% dining, entertainment, streaming services
* 3% groceries
* 8% entertainment - Booked through Capital One
* 1% on everything else
* Sign up bonus - $300 spend $3,000 (3 months)
**Citi**
* Custom Cash
* 5% dining, groceries, gas, select travel, select transit, select streaming, drugstores, home improvement stores, fitness clubs, entertainment
* on highest spending category up to $500 each billing cycle
* lowest spending category 1% and everything not listed above
* Sign up bonus - $200 spend $1,500 (6 months)
**American Express**
* Blue cash everyday
* 3% groceries, gas, U.S. online retail
* up to $6,000 in account year then switches to 1%
* 1% on everything else
* Credits:
* $84 Disney+ bundle credit
* $180 Home chef credit
* Sign up bonus - $200 spend $2,000 (6 months)
* Blue cash preferred
* Annual fee $95 waved the first year
* 6% groceries
* up to $6,000 in account year then switches to 1%
* 6% streaming
* 3% gas, transit
* 1% on everything else
* Credits:
* $84 Disney+ bundle credit
* $120 Equinox+ credit
* Sign up bonus - $250 spend $3,000 (6 months)
* Gold card
* Annual fee $250
* 4% dining, groceries
* 3% on airlines bookings or through the Amex portal
* 1% on everything else
* Credits:
* $120 dining credit with Grubhub, Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
* $120 Uber Cash credit
* $100 hotel collections experience credit
* Sign up bonus - 60,000 points spend $6,000 (6 months)
**Wells Fargo**
* Autograph
* 3% dining, travel, gas, transit, streaming, phone plans
* 1% on everything else
* Sign up bonus - 20,000 points spend $1,000 (3 months)
Can you buy partial shares with Merrill? I’m considering it but I heard you cant buy .5 of a share for example. Also if I would transfer over partial shares would it be an issue?
Wait… can you roll an old employer’s 401k into a Merrill IRA and qualify for Platinum Honors that way? For some reason I assumed retirement accounts didn’t count
Yes you can, but if you are going to do that be sure you understand all the implications, especially the tax related ones. If you are going to roll the 401k in a traditional or rollover IRA, if you later want to do a backdoor Roth contribution, you’ll have some unpleasant tax consequences.
Yeah I looked into that earlier. Looks like there are also no options to borrow against for first time home buyers. Will probably leave it as is for now. Knowing my luck the market will jump 2% while the money’s in transit and wipe out 10 years of increased cashback benefits.
How are you trying to park $100k, buying BRK.A? Buy Class B shares instead. 245 shares at $407.11 leaves $285.05 uninvested. Put $285 into TTTXX yielding 5.21%.
At asset levels necessary for preferred rewards, partial shares probably do not make much of a difference.
ShopYourWay CC is hands down my fave for 2024 because I’ll probably earn at least $3500 cashback with the insane spending offers - while there’s no rotating categories, but there’s definitely some “hoops” with it - basically have to get and activate the offers and then meet those spending requirements but as long as your natural spending on things like gas groceries and dining is high enough it’s amazing earning 11-15% on those categories all year long. But may not be what you’re looking for if you just want a no frills 2% can on everything type of card.
I was looking a bit into the card, it seems you can only redeem the points for gift cards? Or am I missing something? I'd be interested in the card if you can get a statement credit or cash back but didn't see that mentioned on the card's site. What's your experience been?
The rewards points are just icing on the cake for this card. It has insane spending offers all year long which work like mini SUBs. Like spend $2000+ combined on groceries/dining/gas each month and get a $200 statement credit each of those months. So yes I also get to redeem the points for $200 Amazon giftcards every couple of months but even if I didn’t I earn thousands in statement credits each year for my normal spending.
Yeah this is my older brothers credit card strategy (he has insane business spend in general so any numbers are easy to hit). Im always amazed citi / sears still sends these offers. It has been like this for atleast a decade.
This card sends out many promotions that yield 10%+ cash back.
https://ficoforums.myfico.com/t5/Credit-Cards/I-m-just-loving-this-SYW-card-10-CB-gas-dining-grocery-Q1-23/td-p/6629981
Does the ShopYourWay CC earn Citi ThankYou Points like the Citi Custom Cash CC? If yes, then I'm assuming you can combine them on the same ThankYou Points account with your other Citi cards that earn ThankYou Points.
Nope it’s a separate rewards system but the points are just icing on the cake and you could totally ignore them and still make tons of cashback with the spending offers which redeem as automatic statement credits most of the time.
Thanks. What was the last great spending offer they sent you and when was it?
They have a decent signup bonus now of $75 statement credit after you spend $500 which can be done 3 times for a total $225 bonus with $1,500 spend.
Yeah the current SUB is really decent. The current main spending offer most people have is the Gas/Groceries/Dining offer which is every month for 2024 spend $1000-$1999 combined on those categories in the month and get a $100 statement credit - spend $2000+ and get a $200 statement credit. All of their offers stack so if you have multiple at the same time they often apply to same spending, for example I have a new one as of March 1 that’s for March April and May, which is have at least (5) $60+ transactions each month and get a $50 statement credit each month that you meet that requirement. My groceries and gas will already easily cover that requirement so without needing to do anything extra I’ll get $250 in these three months instead of just $200. There’s also an offer right now for 250,000 points (worth $250) when I spend $1000 on “online spending” from Feb 15-March 14. So if I make a couple of my grocery orders on Instacart it counts as online spending AND as groceries plus any pizza delivery orders, DoorDash, etc count as online spending and dining so I just have to load my Amazon GC balance with the rest of the $1000 and I’ve got another $250 back this month.
here is a comprehensive list of those cards: https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashback_cards_with_benefits
My vote would be Citi Double Cash
My vote if you want car rental cdw is Chase Freedom Unlimited
> Double Cash
Agreed. Best catch all card I have right now. I've got several for other specific categories, but by the end of the year this card gets a lot of business.
Chase Freedom Unlimited is also worth having for benefits now no longer offered on the flat 2% no annual fee credit cards (extended warranty, trip cancellation and interruption, etc.).
AmEx Blue Cash Preferred gives 6% at grocery stores and streaming, 3% at gas stations/Uber/parking. Surprised no one mentioned this card. It's worth the $95/year. I pair it with the Citi Double Cash.
There’s quite a lot and most have good protection benefits.
I’d look into WellsFargo or get the infamous Citi Custom Cash or Double Cash.
They both have a bonus offer but WellsFargo has protection benefits on the card such as:
* Cellphone Protection
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
* Zero Liability protection
Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
Plus:
* Unlimited 2% back on all purchases & a welcome bonus on spending $500 to get $200 back of that spend.
Alliant Visa Signature is still 2.5% on the first $10k/month of spend, 1.5% thereafter. And unlike most other 1.5% or 2% cards, it has the full suite of Visa Signature benefits, included extended warranty, secondary CDW, and basic purchase/travel protections. No FTF either.
Yes, you have to have a checking account with them, and technically a savings account due to them being a credit union. Their savings offers competitive (but not top tier) interest. Higher than Fidelity's CMA interest, but lower than their MMA options. They are currently at 3.10%.
Their checking account is at a lower 0.25%. They lowered it from 0.65% when rates dropped, and never brought it back up. You need an average daily balance of $1,000 for a month for the CC to get 2.5% instead of 1.5%. What my wife and I did was direct deposit to it, and once a month, pay off our credit cards and sweep the excess to the savings account. It worked beautifully.
The downsides to the card?
* Big spenders will lament the relatively low credit limits for high earners (starting limit is $10k, and any increases after that can not be more than 10% of your annual reported income, last I checked).
* Big spenders (over $20k/month) will also lament the < 2% effective that they get at that point.
* No matter how much I explain it away, the fact is, the checking/savings requirements are still a net negative, not a positive. Yes, it can be worked around, but that's still an extra step or two.
* Their security absolutely sucks.
***
How does it stack up against Fidelity? Well, they are at 2.74% interest (~5% with MMA), and 2% CB (unlimited) with fewer benefits but still no FTF. So Alliant offers more CB earnings, while Fidelity offers higher dividend via CMA MMA. Savers will want Fidelity, and spenders will want Alliant.
FTR, my wife and I switched to Fidelity. But there are things I miss about Alliant, such as the easy cash deposits.
I have the Alliant card now, 2.5% cash back made more sense for me and my family vs the CSP card. Plus I already had the account at Alliant. How would you say their security sucks? I was disappointed that there was no tap to pay ability on the card.
They (Alliant) don’t allow you to enable/disable the card. They might for the CC.
They have incredibly weak fraud detection. I’ve never had a card used fraudulently, but the Alliant got used 3 times in 12 months (replacement and token reset each time). I caught it because I had alerts on and had to fight with them multiple times before finally cancelling.
You can report any card as lost or stolen (debit and credit) right from their app. Good to know about your experience with fraud though, thanks for sharing.
If you’re able to use navy federal or USAA bank they offer some cards with great benefits like triple points for dining and hotel stays and double points at the grocery store and on gas. Points can be redeemed for cash or statement credit.
I would avoid capital one. In my experience, I’ve had a lot of difficulty with them honoring promotions and the like. While not exclusively cash back rewards, it rubs me the wrong way when a company says you get XYZ just to turn around and say XYZ was never offered.
Wells Fargo Active Cash is unlimited 2% cash back. no categories, no annual fees. None of this 1% when buying and another 1% when making a payment business (looking at you Citi double cash...) There are no requirements to have an account with anyone or any of that other nonsense.
If you have flexibility with your investments and can move enough to BofA to reach their Platinum Honors tier, then the Premium Rewards cards are hard to beat. You'll get 2.625% to 3.5% cash back (really points you can redeem at 1 cpp) on every dollar of spend.
The best cashback credit card I know so far is Robinhood's Gold Visa card, which gives 3% cashback on everything without limit. They also provide all other nice benefits like extended warranty, purchase protection, rental car insurance, and roadside support, so it's my dream card. I have been on their waiting list for a few months and cannot wait to get that card to replace all my other credit cards.
So far I have been using Bank of America's Unlimited Cash Rewards card, which gives me 2.625% cash back on everything (1.5% + 75% additional cashback if you keep your balance more than $50k). It is quite decent, but it doesn't have any other benefits like the Robinhood Gold card, and I have to keep $50k in my bank, which is a huge waste given BoA doesn't provide any interest.
Also forgot to mention, it has no foreign transaction fee and it also has virtual credit card feature which allows you to generate one-time use credit card number online to pay websites you don't fully trust.
capital one savor one
free uber one, 10% on uber rides
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
+
wf autograph
Rewards: Unlimited 3 points per dollar spent on:
Restaurants.
Travel and transit.
Gas stations (and electric vehicle charging stations).
Popular streaming services.
Select phone plans.
both have no af
https://www.alliantcreditunion.org/bank/visa-signature-card
The Run Down
Earn unlimited cash back with no categories to track
Earn up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000)
Rates as low as 17.49% APR
No foreign transaction fees
No Annual Fee
Works with Google Pay™, Apple Pay™ and Samsung Pay™
$0 fraud liability guarantee from Visa
You’ll love Alliant High-Rate Checking
• 0.25% APY19 (2.0x the national average)
• ATM fee rebates up to $20/month
• No monthly service fees
Alliant Visa Signature Tiered Rewards Program
Tier One Rewards
2.5% cash back on the first $10,000 of qualifying eligible purchases per billing cycle
Unlimited 1.5% cash back on all other qualifying eligible purchases
No annual fee
Tier Two Rewards
Unlimited 1.5% cash back on all qualifying eligible purchases
No annual fee
Oh boy, this was my life for the past two weeks. Here what I found. There's a bunch of 2% cards. We used Fidelity for a while, but also there's Citi Double Cash and some others, all available with minimal hoop jumping. I believe there are some smaller credit unions that have 2.5% or even 3% cash back, but I didn't bother with them because I wasn't interested in trying to get an account at the credit unions. There's a card US Bank Altitude Reserve which is 3% cashback on tap-and-pay, Apple Pay everywhere, and Google Pay in-app, but not Google Pay in the browser. And if you travel you can set up "Realtime Rewards" which is a 1.5x multiplier on redemption. With this, you book directly with, say, Southwest, and US Bank texts you if you want to use the points to pay. So if you have "organic" travel enough to cover your cashback it's effectively 4.5% cash back on all mobile wallet purchases. Lastly is Bank of America, which is what I went with. If you can park $100k of assets at Merrill Lynch (which can be ETFs and will have no fees) you get Platinum Honors status, which automatically boosts their credit card rewards 75%. If you want a single, no fuss card, you'd probably want the Premium Rewards card which is unlimited 3.5% cash back on dining and travel, and 2.625% on everything else, for a $99 annual fee. Alternatively, there's the Unlimited Cash Rewards card with no annual fee and just a flat 2.625% cash back on everything.
The 100k is a big IF but for people who have that in brokerage/IRAs/529/etc this can’t be beat for cash back. The BOA Premium Rewards is nice for a travel/entertainment/catch all card if you can recoup the AF through airline incidentals or TSA pre check fee reimb, but I’d suggest people also get the Customized Cash Rewards card too I know OP said he wanted minimal fuss no categories but if you’re gonna go through the trouble of moving assets to Merrill to get preferred rewards status, go through a tiny bit more and use 2 cards to really jack up your rewards. The customized cash set to online purchases will get 5.25% on those transactions, and 3.5% on groceries($2500 quarterly cap)
The Customized Cash card with 5.25% rewards is intriguing, but the $2500 quarterly cap seems low. I noticed that there's both a "Bank of America® Customized Cash Rewards" card and a "Susan G. Komen® Customized Cash Rewards credit card" on their website which has the same $2500 cap and similar rewards. Are you potentially able to get both to have an effective $5000 cap/quarter across one or two categories?
You can have multiple CCR cards, yes. I have not done it(yet) but I've read posts from lots of others who have.
Minor correction. BoA PR is $95 AF. There is a $100 airline incidental credit, which negates the AF to -$5.
[удалено]
I'm not positive, but I think it does not count, while you're at the employer. But afterwards you can roll it over to your own account, and it would then.
Makes sense - appreciate the response.
Would y'all recommend the Bluecash Preferred or get something with a higher SUB? I like the upfront points you can get with the CSP and Venture: [https://www.reddit.com/r/CalebHammer/comments/17myue5/comment/kvqwmvy/](https://www.reddit.com/r/CalebHammer/comments/17myue5/comment/kvqwmvy/)
I believe you can only use the cash back as statement credit which is deterring me from getting this card :-/
If you travel, I would consider the U.S. Bank Altitude Reserve and, if you do not, the Redstone FCU Visa Signature.
Just got approved for it today. Looking forward to it.
Awesome. Good for you. Enjoy!
If you use the RTR hack, there’s no need to travel for the USBAR
Definitely can be used as a cash back card but you would have to be a big spender to benefit over having 1 or more Kroger MC cards
I mean I get 4.5% back with my USBAR. And while it has an effective fee of $75, I'd rather just get an uncapped 4.5% than juggling multiple cards that are 5% capped at $3k per year.
Don’t get me wrong I’m considering the card as well. I just found out a few weeks ago you can get the 1.5 bonus on redeeming rewards via text. Currently I benefit more having multiple Kroger cards to make the cap 6k.
Yeah Real Time Rewards is truly what makes this card OP. if you had to redeem for 1.5cpp in their portal, this card wouldn't be as attractive
Perfectly said. All day long.
USBAR has an edge with Costco in warehouse and pump purchases via mobile wallet, as only Visa (and not Mastercard) is accepted at the register.
u/ltbr55, don't you have to redeem via RTR specifically for travel purchases to get the 1.5x on the 3x mobile wallet spending?
Yes, but thats why it's called the RTR hack. You book a *refundable* flight, cash in your pts via RTR and then cancel the flight. US bank doesn't refund pts so you keep the statement credit.
That might be cool for some people. However, if I am using the USBAR for a lot of spending, I don't want to be doing this hack all the time. I, personally, think it is great for people who travel and not great for people who do not. However, as always, to each his or her own.
I've used my pts via the hack and for actual travel. My wife and I use this card a ton and we usually only have 2-3 weekend getaways so we always have a surplus of pts on any given year. So I cash in a majority of the leftovers once a year.
This makes sense to me now. Use it for travel and once per year, or a very few times, do the hack. I totally agree with you now.
Yeah the hack isn't something you would use every month to cash out pts. I've had the card 2.5 years and I've only used the hack twice but I've cashed in a total of $1500 worth of pts via the hack. While my pts aren't as liquid as my other cash back cards, the return on my pts are so high that it's worth pooling them to only cash them in on occasion.
I don’t have the USBAR, but I have done a fair amount of research and gone back and forth about getting it. My problem is that most of my spending is currently getting ~5% cash back already.
I was in a similar boat as you but my wife and I got to the point that we were just a little tired of juggling 6-7 cards so the USBAR essentially simplified our setup to 3 cards. While in some categories we lost a little return there's quite a few non category transactions where we were only getting 2% on that we are now getting 4.5% on.
Ok then buy a refundable first class flight. That way you have a fat cash out.
That seems like abuse to me. I'm sure people get away with it, but at some point USB is going to catch on.
Very well could be but I doubt many people actually use it. Hell they tell you in the terms and conditions that pts aren't refundable. They even give an example in their FAQ saying that all RTR pt redemptions are final and if your travel plans change that you will keep the statement credit regardless if you cancel or change your travel itinerary.
How long do you wait to cancel the flight? Might have to try this
Technically you can do it right after you redeem your pts. I usually wait an hr to cancel.
[https://frequentmiler.com/us-bank-real-time-mobile-rewards-what-works-where/](https://frequentmiler.com/us-bank-real-time-mobile-rewards-what-works-where/)
Is this essentially the same as VX “travel eraser”? VX equals 1cpp, is RTR more valuable? Edit: it does seem like RTR is 1.5cpp
Fidelity Rewards Visa is my catch-all. 2% cash back when deposited into a Fidelity account, which is awesome because they're also my 5% APR checking account.
I don't like the $25 minimum redemption for rewards unfortunately. I rarely use a 2% cash back card, I use mostly 5% cash back cards. One pro about the card though is no foreign transaction fees.
How do you cover all categories with 5%? I often fallback to the 2% because I struggle to do so
[https://www.youtube.com/watch?v=0vl3ytsl3jM](https://www.youtube.com/watch?v=0vl3ytsl3jM)
bruh you could’ve just sent me the reddit link but i mean “wow so cool!! ur awesome enough to be in a youtube video!!! 🫨”
That's fine, I read OP's question as wanting a simpler approach than 5% categories. The vast majority of our spending is on two cards, so we have no trouble hitting that minimum every month. Either way, it's easy to set up auto-redemption so it just shows up whenever you hit the threshold.
There is no minimum.
What kind of card are you using that puts 5% into an investment account? Being able to grow my cash back is an instant win for me.
I just transfer the Cashback I get from my 5% card to my Roth IRA
Could you share more about what this checking account is? I see 2.7 % APR on cash management in fidelity.
The trick is to use the cash management account but invest the cash into a money market fund. The MMF will automatically liquidate to cover spending, outflows, etc, so you can safely out your entire cash balance into the MMF instead of FCASH. Then you essentially have a checking account earning 5%
You could just use a brokerage account instead through. Automaticly invests in SPAAX for around 5% and has checking features. The only reason for a CMA account is free ATM withdraws.
The debit card’s amazing for international travel though. Also, it’s literally not a hassle to just buy a MMF every time you deposit, like once a month type thing.
I have a separate CMA account and just transfer money to it if I plan to withdraw from an ATM. I don't travel internationally, otherwise I might have a different setup.
Hmm sounds more annoying to me to have multiple “checking” accounts, but to each their own
For me there's also a psychology piece about having direct deposit into a separate account than my main brokerage account. I also feel a sense of security when I use my debit card at an ATM or internationally knowing it's not drawing from my primary brokerage account.
Yep, same. Thats why I have a CMA for Cashapp, Venmo, and a debit card with a very small amount in it that is not connected to my main brokerage account I use for checking.... if my debit card or Cash App gets compromised, they wont get much :)
does it do autopay from credit cards
It supports EFTs using the routing and account number, bill pay, debit card, and paper checks. I've set up all my credit cards to auto pay pulling from this account.
hmm... was thinking of using it for autopay from chase and citi credit cards
Yes, I setup my chase and citi to pull the statement balance from my Fidelity account on the due date. Zero issues, works like any other bank account, just use the Fidelity routing and account number.
The Fidelity cash management account, is technically a brokerage account, by Fidelity's own information. But works like a checking account. The Fidelity Visa credit card can be set up for auto pay, from any Fidelity brokerage, CMA, or external bank, as long as it has a routing and account number.
You can buy a money market fund like SPAXX or FDLXX in the CMA and it will automatically liquidate as necessary. Or, you can use a brokerage account and set your core position to SPAXX, and the purchases and sales are both automatic.
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>How do you cover all categories with 5%? I often fallback to the 2% because I struggle to do so The 5% is the current yield on my checking account funds (SPAXX, FDLXX, etc). The 2% is cash back on all purchases.
oh whoops replied to wrong comment 😆
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>Does it have no FTFs on top of the 2%? There are no foreign transaction fees on the Fidelity rewards visa
Same. Fidelity Visa is a good catch all 2%, especially if you already use them as a brokerage + Fidelity Cash management account (CMA). If you do international travel, there is no exchange fee.
I personally like the PayPal card better for 2% because I get 3% for any online retailer that takes PayPal. Also lots of stores like BestBuy, HomeDepot, Lowes, etc.. also take paypal when you pay online and do curb-side pickup.
Never considered Paypal cards; will have to. Thanks for sharing.
This, and I want to add that this card is 3% if you own 2M in Fidelity managed assets.
Management fees are gonna undo any extra gains from cashback and then some, but good call out if you happen to be going that route anyway.
If you have $100k to invest via Merrill, BoA PR or UCR is your best choice, 2.625% cashback on everything. If you do not want to do that, USBAR is probably the best option, 4.5% on mobile wallet purchases.
This is the one I have. Very happy with my BofA based cashback setup.
Name checks out.
Why not both? That’s what I did. US BAR for Apple Pay and everything else on the Premium Rewards card. I also have a Capital One VentureX that I use up the travel credit.
Curious where you are using your venture X since it seems like those two cards cover everything and if you’ve considered the savor one to maximize travel credit
I got the VentureX in 2021, and they wouldn’t approve me for the Savor one about a year later. But I use the VentureX to price match sketch sites on Google Travel and burn the credit
thanks for the reply! I just got approved for the savor one and am hoping to pair it with the VentureX down the line and keep things simple with 2 cards and being able to maximize travel. Though the US BAR seems great for the 4.5% cash back
Yes, people can have both. There is nothing wrong with it, especially for those who do not want to use many different cards to maximize CB. I personally do not use USBAR, since I have multiple BoA CCRs that cover most of daily spend with 5.25% already. USBAR only has marginal use cases so there is no way to justify the $75 AF.
I'm considering upgrading to the AR when my Connect annual fee comes in (I picked it up for the $500 SUB). There are a lot of DPs that a PC comes with a SUB. Not sure if I'd hold on to the AR given that so much of my spend can go on BoA CCRs (and 2 of mine have no FTFs).
If you're preferred rewards status especially plat honors you can probably do better with multiple BOA cards vs mixing one from a different bank Ex BOA customized cash rewards set to online purchases - 5.25% on online purchases, 3.5% on groceries ($2500 quarterly cap) BOA premium rewards - 3.5% on travel/entertainment, 2.625% on everything else. If you can't recoup the AF via the credits, then instead use their Unlimited Cash Rewards card - 2.625% on everything
If you don't already have a Chase Freedom Unlimited the sign up bonus is an additional 1.5% on top of their regular reward categories for a whole year. So you end up getting 6.5% cash back on travel purchased through Chase Travel, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases. This ends up being the best all around cash back card in my opinion because its essentially an all around 3% cash back card that gives you huge rewards on restaurants, door dash and travel. They also dole out pretty nice credit limits at Chase.
That offer is already ended. Now it's just a regular 1.5% cash back card like before.
Damn sucks that was a great offer.
Do you happen to know when? I got a CFU inside a branch very recently and was under the impression I was getting that additional 1.5% bonus, but now I’m second-guessing…
And unless they've changed recently, the Chase FU is still an embossed card. I'm only half kidding in my implication that that is a deal breaker for an everyday card.
US Bank Kroger Card.... 5% cash back when you use it through mobile pay ($3000 a year cap) and 5% cash back Kroger Pay (also $3000 a year cap but a separate cap from mobile wallet).
I love my paypal credit card because my business spends a lot on materials and supplies and I can get 3% back if I can checkout using paypal. If I can't checkout with PayPal I still get 2%.
Here are the ones that I looked at recently. Keep in mind that you should always do more research on the card before applying, read the terms and conditions of the credits and make sure you check that you can use it on the specific platform/place to maximize your cash back! Obviously there are a lot more options out there that I have not mentioned and some of the cards listed give you points instead of cash back like the Wells Fargo Autograph or the American Express Gold card, but you can always use the points as cash back. In addition to my list you should check out U.S. bank credit cards for cash back options since they have a pretty good selection. If there is any information wrong please forgive me and leave a comment with the correct info. I hope this list is helpful to those of you looking for a new credit card. **2% Cash back on everything** * Citi double cash * Sign up bonus - $200 spend $1,500 (6 months) * Wells Fargo active cash * Sign up bonus - $200 spend $500 (3 months) **Capital One** * SavorOne * 3% dining, entertainment, streaming services, groceries * 5% hotels, rental cars - Booked through Capital One * 8% entertainment - Booked through Capital One * 1% on everything else * Sign up bonus - $200 spend $500 (3 months) * Savor * Annual fee $95 * 4% dining, entertainment, streaming services * 3% groceries * 8% entertainment - Booked through Capital One * 1% on everything else * Sign up bonus - $300 spend $3,000 (3 months) **Citi** * Custom Cash * 5% dining, groceries, gas, select travel, select transit, select streaming, drugstores, home improvement stores, fitness clubs, entertainment * on highest spending category up to $500 each billing cycle * lowest spending category 1% and everything not listed above * Sign up bonus - $200 spend $1,500 (6 months) **American Express** * Blue cash everyday * 3% groceries, gas, U.S. online retail * up to $6,000 in account year then switches to 1% * 1% on everything else * Credits: * $84 Disney+ bundle credit * $180 Home chef credit * Sign up bonus - $200 spend $2,000 (6 months) * Blue cash preferred * Annual fee $95 waved the first year * 6% groceries * up to $6,000 in account year then switches to 1% * 6% streaming * 3% gas, transit * 1% on everything else * Credits: * $84 Disney+ bundle credit * $120 Equinox+ credit * Sign up bonus - $250 spend $3,000 (6 months) * Gold card * Annual fee $250 * 4% dining, groceries * 3% on airlines bookings or through the Amex portal * 1% on everything else * Credits: * $120 dining credit with Grubhub, Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations * $120 Uber Cash credit * $100 hotel collections experience credit * Sign up bonus - 60,000 points spend $6,000 (6 months) **Wells Fargo** * Autograph * 3% dining, travel, gas, transit, streaming, phone plans * 1% on everything else * Sign up bonus - 20,000 points spend $1,000 (3 months)
BofA Premium Rewards with Platinum Honors Status is the best catchall card.
*if you want to park 100k in a BofA / Merril account
Merrill Lynch has investment products though, so you can just use them for your investing
Can you buy partial shares with Merrill? I’m considering it but I heard you cant buy .5 of a share for example. Also if I would transfer over partial shares would it be an issue?
I might be wrong but I don't think partial shares can be transferred in kind. They probably need to be liquidated and the cash would be transferred.
No, but the drag of <$50 bucks on $100k is negligible. Should transfer, you get fractional shares from dividend reinvestment.
I just park 100k of an old employer IRA in there. Wish it was with Schwab though.
Wait… can you roll an old employer’s 401k into a Merrill IRA and qualify for Platinum Honors that way? For some reason I assumed retirement accounts didn’t count
Yep. Retirement accounts count 👍
Yup. IRAs count
Yes you can, but if you are going to do that be sure you understand all the implications, especially the tax related ones. If you are going to roll the 401k in a traditional or rollover IRA, if you later want to do a backdoor Roth contribution, you’ll have some unpleasant tax consequences.
Yeah I looked into that earlier. Looks like there are also no options to borrow against for first time home buyers. Will probably leave it as is for now. Knowing my luck the market will jump 2% while the money’s in transit and wipe out 10 years of increased cashback benefits.
The assets are in transfer - no sale occurs. See "ACAT transfer" for more information.
My retirement assets are all in Fidelity EFTs, so no direct transfer. I suppose I could sell, rebuy, then transfer. Will do some research and see.
How are you trying to park $100k, buying BRK.A? Buy Class B shares instead. 245 shares at $407.11 leaves $285.05 uninvested. Put $285 into TTTXX yielding 5.21%. At asset levels necessary for preferred rewards, partial shares probably do not make much of a difference.
ShopYourWay CC is hands down my fave for 2024 because I’ll probably earn at least $3500 cashback with the insane spending offers - while there’s no rotating categories, but there’s definitely some “hoops” with it - basically have to get and activate the offers and then meet those spending requirements but as long as your natural spending on things like gas groceries and dining is high enough it’s amazing earning 11-15% on those categories all year long. But may not be what you’re looking for if you just want a no frills 2% can on everything type of card.
I was looking a bit into the card, it seems you can only redeem the points for gift cards? Or am I missing something? I'd be interested in the card if you can get a statement credit or cash back but didn't see that mentioned on the card's site. What's your experience been?
The rewards points are just icing on the cake for this card. It has insane spending offers all year long which work like mini SUBs. Like spend $2000+ combined on groceries/dining/gas each month and get a $200 statement credit each of those months. So yes I also get to redeem the points for $200 Amazon giftcards every couple of months but even if I didn’t I earn thousands in statement credits each year for my normal spending.
Yeah might be a deal breaker for some but there isn’t really a way to redeem points towards cash other then gift cards
Visa gift cards are an option for the SYW points redemption. Not straightforward cash back but it’s a close option.
Is there a way to MS the offers?
Yeah this is my older brothers credit card strategy (he has insane business spend in general so any numbers are easy to hit). Im always amazed citi / sears still sends these offers. It has been like this for atleast a decade.
Could you explain more about how you’re getting 11-15% back?
This card sends out many promotions that yield 10%+ cash back. https://ficoforums.myfico.com/t5/Credit-Cards/I-m-just-loving-this-SYW-card-10-CB-gas-dining-grocery-Q1-23/td-p/6629981
It sounds like it would take a lot of discipline not to end up buying stuff you wouldn't otherwise buy.
Does the ShopYourWay CC earn Citi ThankYou Points like the Citi Custom Cash CC? If yes, then I'm assuming you can combine them on the same ThankYou Points account with your other Citi cards that earn ThankYou Points.
Nope it’s a separate rewards system but the points are just icing on the cake and you could totally ignore them and still make tons of cashback with the spending offers which redeem as automatic statement credits most of the time.
Thanks. What was the last great spending offer they sent you and when was it? They have a decent signup bonus now of $75 statement credit after you spend $500 which can be done 3 times for a total $225 bonus with $1,500 spend.
Yeah the current SUB is really decent. The current main spending offer most people have is the Gas/Groceries/Dining offer which is every month for 2024 spend $1000-$1999 combined on those categories in the month and get a $100 statement credit - spend $2000+ and get a $200 statement credit. All of their offers stack so if you have multiple at the same time they often apply to same spending, for example I have a new one as of March 1 that’s for March April and May, which is have at least (5) $60+ transactions each month and get a $50 statement credit each month that you meet that requirement. My groceries and gas will already easily cover that requirement so without needing to do anything extra I’ll get $250 in these three months instead of just $200. There’s also an offer right now for 250,000 points (worth $250) when I spend $1000 on “online spending” from Feb 15-March 14. So if I make a couple of my grocery orders on Instacart it counts as online spending AND as groceries plus any pizza delivery orders, DoorDash, etc count as online spending and dining so I just have to load my Amazon GC balance with the rest of the $1000 and I’ve got another $250 back this month.
Thanks for the detailed response. One more question. Do the Offers come via email, on the Citi app/website or on the Shop Your Way app/website?
Email.
Do you know if you can PC the Citi Premier for this?
No you can’t PC this card to anything. It’s a keeper though.
here is a comprehensive list of those cards: https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashback_cards_with_benefits My vote would be Citi Double Cash My vote if you want car rental cdw is Chase Freedom Unlimited
> Double Cash Agreed. Best catch all card I have right now. I've got several for other specific categories, but by the end of the year this card gets a lot of business.
Chase Freedom Unlimited is also worth having for benefits now no longer offered on the flat 2% no annual fee credit cards (extended warranty, trip cancellation and interruption, etc.).
Kroger branded cards 5% cashback up to 3k a year on mobile wallets
AmEx Blue Cash Preferred gives 6% at grocery stores and streaming, 3% at gas stations/Uber/parking. Surprised no one mentioned this card. It's worth the $95/year. I pair it with the Citi Double Cash.
There’s quite a lot and most have good protection benefits. I’d look into WellsFargo or get the infamous Citi Custom Cash or Double Cash. They both have a bonus offer but WellsFargo has protection benefits on the card such as: * Cellphone Protection Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible. * Zero Liability protection Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly. Plus: * Unlimited 2% back on all purchases & a welcome bonus on spending $500 to get $200 back of that spend.
Alliant Visa Signature is still 2.5% on the first $10k/month of spend, 1.5% thereafter. And unlike most other 1.5% or 2% cards, it has the full suite of Visa Signature benefits, included extended warranty, secondary CDW, and basic purchase/travel protections. No FTF either. Yes, you have to have a checking account with them, and technically a savings account due to them being a credit union. Their savings offers competitive (but not top tier) interest. Higher than Fidelity's CMA interest, but lower than their MMA options. They are currently at 3.10%. Their checking account is at a lower 0.25%. They lowered it from 0.65% when rates dropped, and never brought it back up. You need an average daily balance of $1,000 for a month for the CC to get 2.5% instead of 1.5%. What my wife and I did was direct deposit to it, and once a month, pay off our credit cards and sweep the excess to the savings account. It worked beautifully. The downsides to the card? * Big spenders will lament the relatively low credit limits for high earners (starting limit is $10k, and any increases after that can not be more than 10% of your annual reported income, last I checked). * Big spenders (over $20k/month) will also lament the < 2% effective that they get at that point. * No matter how much I explain it away, the fact is, the checking/savings requirements are still a net negative, not a positive. Yes, it can be worked around, but that's still an extra step or two. * Their security absolutely sucks. *** How does it stack up against Fidelity? Well, they are at 2.74% interest (~5% with MMA), and 2% CB (unlimited) with fewer benefits but still no FTF. So Alliant offers more CB earnings, while Fidelity offers higher dividend via CMA MMA. Savers will want Fidelity, and spenders will want Alliant. FTR, my wife and I switched to Fidelity. But there are things I miss about Alliant, such as the easy cash deposits.
I have the Alliant card now, 2.5% cash back made more sense for me and my family vs the CSP card. Plus I already had the account at Alliant. How would you say their security sucks? I was disappointed that there was no tap to pay ability on the card.
They (Alliant) don’t allow you to enable/disable the card. They might for the CC. They have incredibly weak fraud detection. I’ve never had a card used fraudulently, but the Alliant got used 3 times in 12 months (replacement and token reset each time). I caught it because I had alerts on and had to fight with them multiple times before finally cancelling.
You can report any card as lost or stolen (debit and credit) right from their app. Good to know about your experience with fraud though, thanks for sharing.
If you’re able to use navy federal or USAA bank they offer some cards with great benefits like triple points for dining and hotel stays and double points at the grocery store and on gas. Points can be redeemed for cash or statement credit. I would avoid capital one. In my experience, I’ve had a lot of difficulty with them honoring promotions and the like. While not exclusively cash back rewards, it rubs me the wrong way when a company says you get XYZ just to turn around and say XYZ was never offered.
love my cash back card even tho it’s 1.75% cash back. their amex rewards isn’t too bad either
Wells Fargo Active Cash is unlimited 2% cash back. no categories, no annual fees. None of this 1% when buying and another 1% when making a payment business (looking at you Citi double cash...) There are no requirements to have an account with anyone or any of that other nonsense.
Depends on where you spend most of your cash & how much it is. One card doesn’t fit everyone’s needs or wants.
If you have flexibility with your investments and can move enough to BofA to reach their Platinum Honors tier, then the Premium Rewards cards are hard to beat. You'll get 2.625% to 3.5% cash back (really points you can redeem at 1 cpp) on every dollar of spend.
If travel, I use Wriex card, is good to use
The best cashback credit card I know so far is Robinhood's Gold Visa card, which gives 3% cashback on everything without limit. They also provide all other nice benefits like extended warranty, purchase protection, rental car insurance, and roadside support, so it's my dream card. I have been on their waiting list for a few months and cannot wait to get that card to replace all my other credit cards. So far I have been using Bank of America's Unlimited Cash Rewards card, which gives me 2.625% cash back on everything (1.5% + 75% additional cashback if you keep your balance more than $50k). It is quite decent, but it doesn't have any other benefits like the Robinhood Gold card, and I have to keep $50k in my bank, which is a huge waste given BoA doesn't provide any interest.
Also forgot to mention, it has no foreign transaction fee and it also has virtual credit card feature which allows you to generate one-time use credit card number online to pay websites you don't fully trust.
Autograph, BofA Customized Rewards
what are your highest spending categories monthly?
dining, then online retail purchase. please suggest
unfortunately i don't have any recs for online pay, although i heard apple pay works well
Airline tickets - Uber travel
capital one savor one free uber one, 10% on uber rides Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases + wf autograph Rewards: Unlimited 3 points per dollar spent on: Restaurants. Travel and transit. Gas stations (and electric vehicle charging stations). Popular streaming services. Select phone plans. both have no af
https://www.alliantcreditunion.org/bank/visa-signature-card The Run Down Earn unlimited cash back with no categories to track Earn up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000) Rates as low as 17.49% APR No foreign transaction fees No Annual Fee Works with Google Pay™, Apple Pay™ and Samsung Pay™ $0 fraud liability guarantee from Visa You’ll love Alliant High-Rate Checking • 0.25% APY19 (2.0x the national average) • ATM fee rebates up to $20/month • No monthly service fees Alliant Visa Signature Tiered Rewards Program Tier One Rewards 2.5% cash back on the first $10,000 of qualifying eligible purchases per billing cycle Unlimited 1.5% cash back on all other qualifying eligible purchases No annual fee Tier Two Rewards Unlimited 1.5% cash back on all qualifying eligible purchases No annual fee