If your goal is maximizing your cashback rewards, the American Express Platinum Cashback Credit Card could be your best bet. I just saw one for the Capital One Spark Business card. *BUT*, this newer “Ultimate Rewards” program could be different and may be exactly as you described… I’m supposed to receive a welcome package sometime this month, so perhaps I’ll know more then. Also unlimited 2% cash back on gas, restaurants, and drug stores. The information for the Discover it Cash Back, U.S. Bank Cash+ and Bank of America Cash Rewards cards has been collected independently by CNN Underscored. I have been diligent to maintain superb credit (has taken a bit of a hit lately with the three new cards and other hard hits). If you choose to redeem for cash back, 1 point equals $0.01 cash back. Where it beats our benchmark card: Sign-up bonus, primary rental car insurance, purchase protection, extended warranty protection and an introductory rate on purchases for 12 months. Related: Amex Blue Cash Preferred vs. Amex Blue Cash Everyday. I will cancel my B of A switchover asap now that Schwab/FIA is gone – it looks like CapitalOne’s Cashback MasterCard with 0% annual fee & 50% cash back bonus every year, 1% cash back on purchases, plus earn a one-time $100 bonus will be best for me, doing the math with the amount I put onto a card, will come out to be pretty much equivalent to the 2% cash back I got with Schwab/FIA. Amex was good, not so much any more. Also Read: An alternative to cash back credit cards? com – it tries to calculate the best card and best combinations of cards for your normal spending. Then check out our list of the best cash back credit cards to decide which one will best fit your needs. Citi Double Cash looks like a great card. It is my “workhouse card”. My favorite card was formerly the chase 5% card but I hate the rotating categories and am searching online for a replacement. Before signing up for any type of cash back rewards card, take a look at our list of the best ones we’ve found. 5% cash back on ALL BP purchases (including snacks, beer, etc.) That is not the issue I have problems with. This equals 1 1/2% of all purchases. Success! The Costco Anywhere Visa also offers purchase protection, which is a great benefit for all purchases, especially during the holiday season. Where our benchmark card is better: The Citi Double Cash has an introductory rate on balance transfers. To complete your CNN profile and ensure you are able to receive important account information, please verify your email address. The Fidelity deal is total bait and switch. I have been trying to find a replacement card for my Charles Schwab (FIA) card ever since I found out it was being replaced with the pathetic BofA reward program. For those who mentioned the Fidelity card… I will add that to the list. Not sure where you’re getting your numbers. So, if ANYONE cares to know the reason I have that many cards; it is simple. This card is right for: People who want a no-annual-fee credit card that offers the flexibility to earn cash back in the categories that work best for them based on their personal spending habits. This has been changed with Discover. The Blue Cash Preferred also comes with a solid return protection policy, which can come in handy during the upcoming holiday season. You get 5 points for every dollar spent at restaurants, movies and bookstores (they consider Amazon a bookstore for some reason), and 1 point for everything else. Why it’s great in one sentence: The Costco Anywhere Visa Card by Citi offers big rewards on many practical purchases, such as 4% cash back on eligible gas purchases worldwide (capped at the first $7,000 in purchases per year, then 1% thereafter), 3% cash back at restaurants and on eligible travel purchases and 2% cash back on all Costco and costco.com purchases. Capital One has created a joint account with two numbers so that bills are pre-divided by purchaser. True Earnings® Card from Costco and American Express offers 3% for Restaurants as well. This means you truly need to be on top of your credit card and remember the categories that you select on a quarterly basis. Have you heard anything about this card? The Capital One Savor Rewards Credit Card is one of the most potent cash-back credit cards on the market for folks who live going out and cooking in. Their website has a button to “redeem rewards”. Earn 3% cash back on drugstore purchases. It compares well with the Citi Double Cash card, which of course doesn’t require a Fidelity account. Why it’s great in one sentence: The Bank of America Cash Rewards credit card allows card holders to select one cash back category — including travel — to earn an increased 3% cash back, but they can change their option on a monthly basis. There is no annual fee. That includes looking at spending in bonus categories and looking at the fine print for spending maximums. I was thinking you were missing the Schwab Visa too … but that card is no longer accepting new applicants. I would plan on paying off the credit bill within the first 30 days so no interest charges. It’ll probably take some good management skills, but the best rewards would come from: 1. Where our benchmark card is better: With the Citi Double Cash, you receive your cash back on a monthly basis instead of once a year, and you don’t have to physically go into a store to exchange your rewards for cash. Luke … thanks for all you do here … I’m here today since I just found out that Discover is moving it’s restaurant 5% category to the 2nd quarter from the 1st. You can usually redeem your cash back rewards via statement credit… I have used it exclusively to get consistent 2% back every month for the last year. The cash back percentages are a bit lower, but still very good: While you save on the annual fee, the rewards aren’t as good compared to the other cards on this list. Alternately, you can price around if you are a Frequent Flyer Miles junkie; some airlines gives 10 miles per $ you spend by shopping from the airline’s webmall site, and you’ll get your normal cashback % from your card issuer. In other words, this card is a great choice if you’re after a simple cash back rewards program. Their deal is that you get 2% in “points” NOT cash. So to earn the 2,000 points and a $20 cash back reward that they advertise, you would need to spend $200,000 in credit card purchases! Check out the new B of A cash rewards Visa. Learn more about the Ink Business Unlimited. The certificate can be redeemed for Costco purchases or exchanged for cash at your local Costco store, and will expire if it’s not redeemed by December 31 of that calendar year. Yes, Penfed Visa is a great card. I don’t see Capital One Cash Rewards. THE CHASE CARD HAS QUARTERLY POINT LIMITS on the bonus 5% cash back offers (I think $75). Also, although this card doesn’t carry an annual fee, to be a card member, you must have a Costco membership, which starts at $60 per year. 6% groceries, 3% gas & department, 1% everything else. You can also receive a $300 sign up bonus  after spending $3,000 in the first three months. For one, I saw DiscoverCard give 5% bonus + whatever tier level you are in; Chase gave 3% +1%regular cashback; BankofAmerica gave 3%. The cards listed on this page change depending on what offers are available. This is pretty straightforward in terms of points-based cash back programs. The 5% quarterly bonuses are often similar with Chase and Discover and each program requires that the customer sign up for each quarterly benefit. Amazon. I actually got taken by Chase on the Freedom card when they changed the rewards scheme. Your *result* is 2% cash back. These 2% categories typically includes popular choices such as: One thing that could be better: You need to activate the cash back categories every quarter on the U.S. Bank Cash+ Visa, and you’ll only earn the increased 2% or 5% cash back after activation — rewards can’t be retroactively applied. The AmEx Costco TruEarnings card could be a good option if you shop at Costco stores, free for Costco members. Where it beats our benchmark card: Extended warranty, purchase protection and no foreign transaction fees. This card is right for: People who want maximum flexibility in a no-annual-fee credit card. You generally can’t find good cash back deals at warehouse stores because the prices are generally lower per unit. And guess who is largest bookstore? There are no categories to remember or quarterly signups to worry about. Then, you’re able to redeem those points for travel at an increased value of 1.25 to 1.5 cents apiece via the Chase travel portal. I shop at costco and get 2% on warehouse spending. Capital One emailed my spouse to inform him that I had left an excessive tip. And actually, it looks like Capital One did away with their no fee version of the card. Good point. I’m still on the older 3% on top 5 catagories plan until June 2nd, and at least on the older plan when you shopped online with Chase Rewards Plus it was a straight percentage cash back. Which one will you consider? The purchase protection applies to items you buy anywhere, not just at Costco. Bank of America Preferred Rewards members, which are customers who have at least $20,000 in combined qualifying balances in their Bank of America and/or Merrill investment accounts, can earn an additional 25% to 75% on their rewards earned on the Bank of America Cash Rewards. Fidelity American Express Investment Rewards Card. Not only will you earn extra cash back in the grocery and gas departments, but you’ll also earn a significant amount of cash back on all your US streaming subscriptions. That’s because the card currently comes with the highest sign-up bonus we’ve ever seen on this card. That’s a good sign-up bonus. CNN Underscored’s comprehensive credit card methodology compares every aspect of each cash back credit card to our “benchmark credit card” to determine which cards can potentially earn you the most cash. HSBC is now with Capital One. Finder’s credit card experts spent more than 400 hours reviewing and comparing each rewards credit cards … Charge everything I can on credit cards, pay off balance each month. Cashback Earning:1% on all purchases; Bonus Categories: 5% cash back at office supply … Schwas unfortunately got rid of the 2% cash back card about 18 months ago. Used to be 2% after that plateau. As mentioned in the small print above, I may receive compensation from a card issuer if you use the links on this page and end up with a new and better card … You need to spend $1,000, earning 1,000 points, to redeem $10 in rewards, but you may need to earn more to qualify or a minimum payout. The card … $200 is 2% of $10,000. Last year on my Freedom card, I averaged 2.9% cash back between the rotating 3% and bonus 5% and a significant amount of shopping through their rewards shopping site, accompanied by only cashing in for the $250 checks. This card is right for: People looking for an easy and straightforward way to earn cash back without having to worry about category bonuses. I have the True Earnings card and it has been huge because there is no cap, no minimum, and I have the business one which gets 4% back on gas as opposed to 3% that is listed here. Once it’s in my Fidelity account, I am free to do whatever I want to do with it, spend it, invest it, or save it. This can be a downside if you routinely make a large number of purchases in a particular category. For Amazon Prime members, they get unlimited 5% cash back on Amazon purchases and no foreign exchange fees (A Visa credit card too). Earn bonus cash back on gasoline purchases, both at Costco and other gas stations. It worked. BOA’s card is not unlimited. Please click the button below to agree to our Terms and Conditions and acknowledge our Privacy Policy. While many people like to use their credit card to earn travel points or miles that they can redeem for a once-in-a-lifetime trip, those plans are on hold for many at the moment thanks to the pandemic. These little pieces of plastic can help you practice responsible spending while earning a little extra kickback when used properly. Earn 1% cash back on all other purchases. Rewards. “Rewards are earned as points, which can be redeemed for cash back. And as far as I know, Citi and Discover only do that on a rotating basis. I joined PenFed last year by the one-time membership payment to NMFA and have been VERY PLEASED with PenFed’s offerings. Capital One will actually send your spouse an email notification if they think the restaurant tip you left was too large. So not a hot deal anymore. http://www.usbank.com/splash/credit-cards/cashplus/94154.html?redirect=facebookcash, More info: http://www.usbank.com/cashplus. I buy a lot of BP fuel. With that bonus $50 for rewards accumulation, that makes your effective earning rate 1.25% at the bare minimum. Hmm, I don’t really understand how it’s possibly not competitive with the Capital One No Hassle. Why this is one of the best 5% cash back credit cards: If you’re looking for a rewards card with 5% cash back in rotating bonus categories each quarter you activate, this is a good choice. Since you can use PayPal at many online retailers, this means you could earn as much as $75 in bonus cash this holiday season on many items you buy online. This amazing flexibility is why CNN Underscored’s partner The Points Guy values Ultimate Rewards points at 2 cents apiece. After about 20-30 minutes, you can redeem them on the phone. Might be a different feature idea. 1% cash back means you can cash in $1 for every qualifying $100 you spend. This card is right for: People looking for a card with a great sign-up bonus and who routinely spend money on popular rotating categories — such as groceries, gas stations, ride-sharing, restaurants, Amazon.com and more. I can’t find that particular card paying 2% & no annual. Looking for a new credit card that earns travel rewards? They seem to me to have the best cash back program as they have no tier and the give the maximum or 8% on selected quarterly promotions 1% + 2% + 5% = 8%. A bit off subject, but does anyone know if/where I can get a current code for the $100 cash bonus for opeing a Chase checking account (not the one with the dd attached)? SO, overall For gasoline and grocery, i use this card – 5 and 3% cash back respectively. Restaurant and entertainment lovers will really like this card as it offers a substantial cash back offer. Consumer advocate Clark Howard recommends the other Fidelity card for 2% on all spending here: The Fidelity Visa is a great card, if you have a Fidelity account. If you’re able to max out the bonus on a quarterly basis on the 3% cash back categories alone, you’ll earn you an extra $75 every quarter. I love my Chase Freedom card! 1% cash back on all purchases, bonus $100 back when you spend $500 in the first 3 months, and the best part is an additional 50% bonus on the cash back that you earned in a year. Straight 3% on gas 2% on groceries and 1% on everything else. Yes, there’s a $95 annual fee, but the value you can get from this card far outweighs what you’ll pay upfront. The PenFed Visa card looks the most promising, however I was wondering if the cash back rewards for gas included diesel fuel, if there was a maximum amount that can be received in cash back rewards from the PenFed card, and if there are any other cash rewards credit cards with a higher % gas cash rewards? Great coupon kickers. Plus, you can save time earning cash back rewards rather than having to figure out how many points you need to redeem flights and doing more research in general. If you’re not getting at least $.01 / Point you’re getting taken. new tires, car maintenance), and now I can receive my $200 cash back. PenFed is cutting their cash back for general purchases to .25% as of Feb. 1. The Discover card has a 3,000 tier before earning 1% and charges at Walmart or Sams club do not contribute to the tier and always have a cap of 0.25%. If you’re looking to avoid paying an annual fee, you can still get some decent cash back rewards with this credit card. >>Learn More About This Credit Card Offer<<. There is a number to call which sends you into a very long and complicated phone tree, finally connecting you with another group. But the Amex Blue Cash is best for groceries. With the Capital One® Quicksilver® Cash Rewards Credit Card, you earn 1.5% on all purchases. Once you reach 5,000 points, they can be redeemed automatically or on demand for cash at a 1% exchange rate into an eligible Fidelity account (i.e. This quarter the maximum charges for the Discover quarterly promotion (restaurants, department stores and clothing stores it only up to 300 in charges whereas the Chase card is $,1500 in charges (dining, movie theaters, charitable donations, department stores). However, if you have securities like mutual funds, yes, there are fees for them. I just booked a luxury level cruise this week for around a $7000 total in air & cruise expenses and went through the same analytics as you are doing. Here’s my rant: link. go with Capital One’s new Spark for small Business, an obvious answer to Schwab’s termination of its 2% cash back card. I am looking for a cash back rewards credit card primarily to use for fuel. My husband is an owner operator of his own trucking business and we will typically spend around $100,000 annually in diesel fuel. Big limit and low interest for a bad pinch. This is a brand new card that seemingly hasn’t been widely touted. You can also get a $50 bonus from those cards as well if you keep you’re eyes peeled for ’em…sometimes even more. April 1 through April 30 would be a billing peroid). This card is right for: Those looking to increase their cash back for all travel-related purchases without having to pay for an annual fee. Sign-up bonus: Earn $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. Where our benchmark card is better: If you’re solely looking to earn flat-rate cash back on every purchase you make, the Citi Double Cash will earn you more on your everyday purchases. I think it was just instituted. Besides, they tend to have lower annual fees compared to other cards, which is a budget-lovers dream right there. Full details appear in the Program Guidelines new card customers receive with their card. I have investment and short-term cash management accounts with $0 on both. It’s the AMEX Blue Cash card which they stopped offering in May/June of 2011. Success! With this card you’ll earn 2% in cash back — 1% when you buy something and another 1% when you pay it off — on every purchase you make. But Citi’s travel partners aren’t as impressive as Chase’s, and while the Double Cash doesn’t have any bonus categories, the Freedom Unlimited has the same trio of bonus categories as the Chase Freedom Flex (though you won’t receive cell phone protection with the Chase Freedom Unlimited). No annual fee. Try using a cash back credit card. Total scam in my opinion… will never do that again. I saw this offer from Household Bank (HSBC): https://www.householdbank.com/ecare/cards?docId=Cards_Tab_data_cards_hb_sp5_xml&WT.svl=400 and wanted to see what others thought of it as a possible replacement before I took the plunge. You can auto-pay a fixed amount or manually pay the balance at a date in the future. It’s not bad, but I sure miss that original deal. The coverage is good for up to $10,000 per item and $50,000 annually. Earn 3% cash back at restaurants and on eligible travel purchases. Why it’s great in one sentence: The brand-new Chase Freedom Flex credit card offers both fixed category bonuses — including one specifically for dining — and a set of rotating category bonuses, plus cell phone protection as well. Dosh cash back app review, http://www.capitalone.com/credit-cards/quicksilver-cash-rewards/, https://www.penfed.org/Defender-Cash-Rewards/?intcid=ad-defender-veterans-home-mainAd-01012013, https://www.householdbank.com/ecare/cards?docId=Cards_Tab_data_cards_hb_sp5_xml&WT.svl=400, https://creditcards.chase.com/credit-cards/chase-freedom.aspx, 6% cash back at U.S. supermarkets, up to $6,000 per year in purchases, 6% cash back on select U.S. streaming services (like Netflix, Hulu and others), 3% cash back at U.S. supermarkets, on up to $6,000 per year in purchases, 2% cash back at select U.S. department stores. The only shortcomings as I see it are the requirement to have a Fidelity investment account of some type. So I use that for those specific purchases. BP has a good rewards card if you travel a lot and buy BP fuel. 3. The Schwabb card was king. Maybe you can enroll your FIA Schwab card with BankofAmerica’s additup, and get the 2% plus the bonus % cashback (not sure if this card and other affiliate/ co-brand cards are applicable; any1 know??) The Blue Cash Preferred card dials up the bonus cash back on those two categories, creating a go-to in your wallet for these routine purchases. In respect to this web site I won’t say where I go to find this data but I will say there are resources published on the net that have developed detailed travel card reward analytics to the point your can determine the exact dollar introductory bonus value for various travel cards. They advertise 2 and you get 1. Cash back credit cards can get a bit of a bad reputation among rewards enthusiasts because many feel there are better ways to maximize each purchase. Good Luck. Basically you get 5 points for books, movies, music, and restaurants and 1 point for other purchases. It’s the AMEX with the annual fee, like $95 or $75 or something. They are lowering the interests rate (useless for me as I payoff every statement) and LOWERING the 1% rebate to 0.25% starting Feb 2012. I just have a small Fidelity account so I can get the 2%. The Cashbuilder card offers 1.25%-1.75% cash back on all purchases! Are there any major shortcomings on this card that I’m not seeing? You can contact thier member service department though and they can tell you that. Plus, realistically speaking since they rotate, you’re really only averaging 1.25% on an annual basis, which is not impressive at all. The perks aren’t as huge as some other cards, but a card that gives back 2% with no limits sounds promising. Are you calling me stupid? I save my $20 and $40 vouchers and then when I’ve accumulated $200 in vouchers, I go shopping! This is also not the card to use for international purchases, as you’ll be charged a 3% foreign transaction fee when you’re overseas, which more than offsets the rewards you’d earn. The 3% cash back on groceries had previously been unlimited. So, instead of sticking with a credit card that earns rewards for a vacation that isn’t happening in the near future, why not consider a credit card that earns you cash back almost instantly? He is probably talking about Blue Cash Preferred from AMEX. Citi® Double Cash Card: Best overall card for cash backBlue Cash Preferred® Card from American Express: Best for US supermarketsChase Freedom Flex: Best for restaurants, including takeout and deliveryCostco Anywhere Visa® Card by Citi: Best for gas purchasesChase Freedom Unlimited: Best for flexibilityInk Business Unlimited Credit Card: Best for small businessesDiscover it® Cash Back: Best sign-up bonusU.S. Cap One Spark is good for the $500, but I’d cancel after getting the cash. Pen Fed Visa Platinum Gas / Cash Rewards Card: Like Dan said, anyone can join the PenFed credit union by a one-time $20 donation to the National Military Family Association. Where our benchmark card is better: The Citi Double Cash has an introductory interest rate on balance transfers, and its cash back can be converted to Citi ThankYou travel points when combined with the Citi Prestige Card or Citi Premier Card. Capital One has already done it for him! We bought a lottery subscription online and they coded it as cash advance. They have continued to lower it and now are down to 1.0% after $6500. Thanks! I just joined a few weeks ago and cannot for the life of me figure out where they show the closing date. Can I just leave this account alone from now on? Here we go. I think you are right! Any cash back earnings are received in the form of Reward Dollars that can be redeemed as a statement credit. You make me want to open another Capital One Credit Card. 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