Sorry if I missed it, but I didn’t see this anywhere. Of course, this requires parking a significant amount of money in your Bank of America bank or investment account, but it can pay out extremely well for loyal Bank of America customers. I am currently have Pentagon Federal Credit Union card, and just got a notice yesterday. Learn more about the Citi Double Cash Card. Big limit and low interest for a bad pinch. The Schwabb card was king. 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. Women should avoid Capital One at all costs. There is definitely something illegal about this tactic. thanks. Basically you get 5 points for books, movies, music, and restaurants and 1 point for other purchases. This means those rotating bonus categories are worth 10% in the first year, and all your purchases outside of the bonus categories earn a solid 2% return the first year. My average total monthly credit card purchases is $1,500.00. Chase Ink Business for restaurants, office supplies, home improvement, and gas, 3%. One thing that could be better: One big disadvantage of the Costco Anywhere Visa is that you have to wait a full year to receive your rewards, which are sent in the form of an annual certificate after your February billing statement closes each year. They are offering a Costco, no fee , cash back card which only pays .05% on the first $3,500.00 and 1% on all purchases thereafter. Earn bonus cash back at US supermarkets with the Blue Cash Preferred credit card. Savings are swept into a savings account. I think a lot of the cards have great potential for earning a lot, but I would rather have flat % back on purchases and not need to go online to ‘enroll’ for the extra % back. It additionally pays you an extra $25 when you redeem in increments of $100 or more at a time. Full details appear in the Program Guidelines new card customers receive with their card. The current quarterly categories on the Discover it Cash Back card are Amazon.com, Walmart.com and Target.com, and the 2021 bonus categories calendar includes gas stations, streaming services, restaurants and more. Sign-up bonus: N/A. However, to become a member, all you need to do is make a $15 donation to their organization serving troops and invest $5 into your own share account as the minimum. 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. 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. You can read more about our benchmark credit card concept in our credit card methodology guide or dig into our complete review of the Citi Double Cash. There are some flat 1% cash back cards on that list, so I don’t see why B of A wouldn’t be included. I think she was referring to the promotion % for the first 6 months. I’m not sure why this editor is on love with the Chase Freedom, There are at least 2 better cards out there. These little pieces of plastic can help you practice responsible spending while earning a little extra kickback when used properly. 1% cash back equals 1 point. I just have a small Fidelity account so I can get the 2%. However, if they rotated their 5% and the categories are different, I could easily determine which card to use based on a particular month. 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. I just got my card 2 weeks ago : ). No, Penfed’s online banking site only gives you the due date, not the cycle date. I’d be open to a higher % of cash back, of course, but I just don’t see that under the Visa brand…. That’s a good card. And…we’ve mentioned a number of times how you can’t download your transactions so you can plug them into quicken or your choice software & they basically said you can download a pdf of the statement or you need to download them right before the new cycle. Best for restaurants, including takeout and delivery. I have had this card for just over a year now and have close to $500 cash back. Thanks! Related: Tight on cash? Editorial Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. I for one have started using cash back credit cards since it has helped me save money on certain expenses. For example, 2,000 points can be redeemed for a $20 check.”, The 5% bonus opportunity improves this offer. Are you calling me stupid? While there are other cards that allow you to earn 3x points on travel — such as the Chase Sapphire Reserve card — you’re usually looking at a significant annual fee. Yes, I get a new travel card for this every 6 months and you really need to find a ‘good’ deal at the time you are looking. The 5% quarterly benefit is not added to the tier level. Lastly i got the Chase Freedom Card where i will get back $150 after my first $500 in purchases. Did you realize that to get just a $10 cash back reward(true check in the amount of $10), using the 1% cash back, you would have to spend $100,000 in credit card purchases? Watch out for that annual fee! So, if you want Capital One its nose into your private business, stirring up sh!t in your marriage, encouraging male spouses to be even more controlling, then Capital One is for you. Have you heard anything about this card? Your link does not say anything anything about a cap, but you should double chack on that. I pay the $100 Plus member fee to get up to 2% back on my Sam’s Club Discover; the deal has annual spending levels where the % back increases whenever you pass a level threshold. That means if you spend less than $3,166 in grocery purchases annually, it could be a better choice in the long run. I called them to confirm this and that is their deal. This includes over 20 different providers, such as Disney+, HBO, Netflix, Spotify and YouTube TV, among others. I opened an account with them for $50 then applied for and got the 2% Fidelity card. We disputed a bill once. Otherwise, you’re essentially paying for those rewards. 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. With the U.S. Bank Cash+ Visa, you’ll also earn 5% cash back on up to $2,000 in purchases in your two chosen categories during each quarter, where other similar cards cap your cash back at $1,500 during the same time frame. The “Fidelity Investment Rewards” American Express card can give a 2% cash back return, which can be redeemed $50 at a time. Plus, the required credit score was pretty low for the decent rewards. Rewards. Earn 5% cash back on quarterly bonuses categories (up to $1,500 on combined purchases). No ability to auto-pay the entire balance in full each month without intervention. Sounds okay, still not as good as having 2%, god i still have my FIA card but knowing that i will be losing the 2% end of october, i already miss the card!!! I’m sorry you didnt have a very good experience. This is a brand new card that seemingly hasn’t been widely touted. These things can be tricky sometimes, and the CSRs who answer the phone often can’t make it clear for their customers. Try using a cash back credit card. But in addition to those three fixed bonus categories, the card also offers a set of 5% bonus categories that rotate each quarter. I’ll add a note about the new card. THAT is the bait and switch. If you want cash back, you only get 1% and that is after the hassle of setting up accounts with them. I contacted them and they said they had no record of the transaction and would not give me the points that I earned by shopping through the “Rewards Mall.”. (I think) the costco amex only gives you 1%. If you convert points via other methods provided, you will not get the 2%. I would add a US Bank Cash+ Visa for 5% off two chosen categories. $200 is 2% of $10,000. To help with the math of picking the best rewards card you might want to try the rewards calculator at creditcardtuneup. Bank Cash+™ Visa Signature® Card: Best for streamingBank of America® Cash Rewards credit card: Best for travel. That’s because the card currently comes with the highest sign-up bonus we’ve ever seen on this card. I have the older Fidelity 529 MasterCard, 2% into the kid’s college account. Roy. 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%. Program was closed a few months ago. You omitted the CAPITAL ONE cash rewards card. Yes, there’s a $95 annual fee, but the value you can get from this card far outweighs what you’ll pay upfront. (no word on when or if they will re-open; but, this isn’t the first time they’ve closed sign-ups) You can only sign up for their non-rewards cards. For the 4th quarter of 2011 the promotions are dining, movie theaters, department stores and charitable contributions totaling $1,500 and a separate $1,500 for Khols. Where our benchmark card is better: If you’re solely looking to earn flat-rate cash back on every purchase you make, the Citi Double Cash will earn you more on your everyday purchases. Expert users can convert the cash back to Citi ThankYou travel points at a ratio of 1 cent per point when combined with the Citi Prestige® Card or Citi Premier℠ Card. Will not be with them much longer. CNN Underscored is your guide to the everyday products and services that help you live a smarter, simpler and more fulfilling life. The information provided here is current. Rewards rate: Earn 2% cash … Costco Amex for Costco purchases only, 3%. Earn 1.5% cash back on all other purchases. The purchase protection applies to items you buy anywhere, not just at Costco. You cant redeem them 1:1, so its not exactly 5% cash back, but I think it comes out to 2-3% cash back, slightly better than FIA. I’m not at all impressed with the way they handle it now, since the categories are kind of random, they rotate quarterly, and you have to “opt in” to get the 5%. 2% Cash back across the board. 1%). 3:55 PM EST, Tue November 24, 2020. But the Amex Blue Cash is best for groceries. I pretty much use the accounts for redeeming the cash back. From Capital One site: Rewards 2% cash back on purchases at gas stations and major grocery stores. Thanks! This equals 1 1/2% of all purchases. I’m interested if the #$&*! Yes, Penfed Visa is a great card. There’s also a 2.7% foreign transaction fee on the card, which doesn’t make this an ideal choice for international travel. My PenFed VISA Platinum Cashback Rewards Card has its cycles tied to the month (e.g. In my book, the FIA card could be easily propelled up on this card list. So as you described, you earned 4% cash back for shopping in addition to the 1% built-in cash back. This card awards a staggering reward rate of 6% back on up … Used to be 2% after that plateau. Only problem Is that it is an American Express card. Why not one of the AMEX Blue Cash cards? Penfed is a credit union and are therefore goverened by the National Credit Union Association which requires membership into the credit union and a share savings account with at least $5 deposited into it in order to take advantage of any of thier banking products such as credit cards, checking account, mortgage loans, car loan, etc. 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. Aside from the bonus categories, this card also comes with many unique benefits that differ from most other Chase cards. It makes a lot more sense to earn 2% cash back paying with that than it does paying straight out of my checking account. The Chase Freedom Flex has both fixed and rotating bonus categories. Do NOT agree to obtain a joint account with Capital One. 2% cash back on all purchases, no caps, and $500 for using 4k in the first few months. 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. you may want to consider the Citi Forward card for your Amazon purchases. Then check out our list of the best cash back credit cards to decide which one will best fit your needs. 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. •No Annual Fee**. I’m sure the troops overseas keeping track of their money sit at their computers so they can download their transaction history. What I also concluded was that the AMEX Preferred was the second best card for my needs even with the $75 annual fee taken out the cashback. It’s that simple. Note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. I think you are right on the PenFed Visa for 5% off gas/3% off groceries. Read our complete Costco Anywhere Visa credit card review.Learn more about the Costco Anywhere Visa Card by Citi. Can anyone suggest a better reward program to beat this 5, 3 and 2% cash back. I am dying to find one. At the moment I am using a chase amazon card. Keep in mind that in order to make a credit card with rewards programs worthwhile, you must pay your bill on time and in full every single month to avoid interest charges and late fees. By subscribing, you agree to our privacy policy. Instead, everyday purchases, such as buying groceries and filling up your gas tank, are in the inferior 2% cash back bucket. Success! In other words, this card is a great choice if you’re after a simple cash back rewards program. Penfed is a credit union and therefore very conservative which is why they can offer such wonderful rates, products and services to those who qualify. I pay for almost everything with that card and pay off the balance each month to avoid interest. The Citi Double Cash also offers a relatively long 18-month introductory 0% interest rate period for balance transfers — a great way to pay off your debt (though make sure you pay it off, because the rate jumps to a variable 13.99% to 23.99% after the introductory offer ends). 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. Amazon has restaurants (slim selection), grocery stores, and office supplies. New card holders can earn $750 in bonus cash back after spending $7,500 in purchases in the first three months after opening the account. Purchase protection and extended warranty coverage. CNN News staff is not involved. 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. The benefit of this card is at redemption where there is a little price improvement on some gift cards at selected merchants. If you get gift cards, on the other hand, a $50 gift card is 6,000 points, so .83% for 1 point purchases and 4.2% for your 5 point purchases. You do need a Fidelity account to convert your points into cash. One thing that could be better: You won’t want to use the Ink Business Unlimited on overseas purchases, as it charges a 3% foreign transaction fee. 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 get 5 points for every purchase on books, movies, music, and restaurants. Great article; love that it’s current! 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. The FIA is the best no annual fee cash back card around. Where our benchmark card is better: The Citi Double Cash has an introductory rate on balance transfers. This is pretty straightforward in terms of points-based cash back programs. I have the Capitol One No Hassle Cash Rewards card but do not have to spend $6k to get 2% on gas and groceries. I just signed up yesterday in fact! I think I’d earn more cash back with a steady 2% groceries all year. Annual Fee … All rights reserved, Chase Sapphire Preferred Credit Card Review, Citi Dividend Platinum Select Card $100 Cashback Bonus, Visa Black vs American Express Platinum vs Centurion, How to Best Handle Old Credit Card Accounts, Why New Chip Credit Cards Won’t Reduce Fraud, Current and Historical Bank Interest Rates, Alternatives to High-Yield Savings Accounts. The Citi Cashreturns card “does” have a limit. The latter description is correct; 5% on gas, groceries & pharmacies and 1.25% on everything else – after $6,500. There is a number to call which sends you into a very long and complicated phone tree, finally connecting you with another group. I love my Nordstrom Visa Card – the points earned get converted into redemption vouchers that are sent automatically and can be used like cash at Nordstroms. I always pay off my balance in full on each billing period date. Never again. It’s usefulness is being underestimated by the illusor tie to Fidelity. Most … According to many of the card offers, Sams Club does not qualify as a grocer due to their Merchant Category Code. Your math is incorrect. Restaurant and entertainment lovers will really like … Why it’s great in one sentence: The rotating categories and cash back match bonus on the Discover it Cash Back card mean you can earn a ton of cash back in the first year you have the card. Verification email has been resent. Cardholders can earn a one-time $150 signup bonus after you spend $500 on purchases within the first 3 months. We spent a good bit of time and several phone calls to the card issuer and discovered some information that we are not sure that you are aware of. Also they charge vendors the highest fee,s for any credit cards. All eligible dining and entertainment … With 2% cash back for all purchases, you don’t need to worry about enrolling in quarterly cash back programs and other nuisances. Grow UP Sally. I’ve added the Capital One Quicksilver card to the list. Where it beats our benchmark card: Sign-up bonus, selectable bonus categories and an introductory offer on balance transfers. The Blue Cash Preferred also comes with a solid return protection policy, which can come in handy during the upcoming holiday season. I just opened a Fidelity Amex for everything else, 2% (into a Roth IRA acct I already had with them). Yea the Schwab was a good deal for a card. If you want cash, they use an “exchange rate” and you actually get 1%. Where it beats our benchmark card: Welcome bonus, an introductory interest rate on purchases, return protection and car rental damage coverage. get a card from penfed for gas- they promise 5% back for gas purchase- if u are not military member- u can pay one time fee of $5 and join, it’s excellent- we have mortaggae with them( 5 years /arm-free refinancing), excellt car loan and very good service. Interested? This card is right for: People who want maximum flexibility in a no-annual-fee credit card. Navy Federal offers a cash rewards VISA card that gives you 1.5% after you make $10k in purchases. I think the number 1 card on the list should be the one that requires the highest average % back with the least amount of ‘work’ on the user’s side. I am also interested to know what people think about the CapitalOne Cash with 50% bonus. They also allow you to use the points for gasoline cards etc… A room rate of $80 costs 8,000 points/cents OKAY, but to purchase a $50 gas exchange requires 16,000 points/cents or $160 worth of points. The only shortcomings as I see it are the requirement to have a Fidelity investment account of some type. 1% on all purchases plus at the end of one year you get a 50% bonus. 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. Plus with the open network I save up to 10% in additional savings off of places like Hertz, Hyatt, FedEx, and Marriott. It’s the AMEX Blue Cash card which they stopped offering in May/June of 2011. Blue Cash Preferred Card from American Express, Blue Cash Everyday® Card from American Express, Blue Cash Preferred Card by American Express. This card is right for: Businesses who want flexible cash back rewards from a no-annual-fee credit card. One thing that could be better: Although the Bank of America Cash Rewards card can earn bonus cash back on your travel purchases, there are very few travel perks that come with this card. And aside from the earning potential on gas, earning 3% cash back at restaurants and eligible travel purchases is on par — and many times better — than what you’ll see with other cash back credit cards. *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. Claims are capped at $300 per item, up to a maximum of $1,000 per card account per calendar year. The card details on this page have not been reviewed or provided by the card issuers. For example I have a Choice Rewards card with the primary purpose of earning hotel/motel points. I have the Chase Freedom as well, but only use when some place doesn’t take Amex. Even better, once you’ve converted the cash back to points, you can transfer them to any of Chase’s 13 airline and hotel loyalty partners. Plus, right now is a fantastic time to get the Ink Business Unlimited. I’ve shopped through the Ultimate Rewards Mall and they never gave me the points (I think it was 5% of the purchase sub-total). I took my kids out to eat and the restaurant removed the price of a meal because it contained a foreign object. B of A cards are generally not competitive for rewards by any means. When you pair the Freedom Unlimited with a premium Chase Ultimate Rewards credit card, such as the Chase Sapphire Preferred or Chase Sapphire Reserve, you can convert your cash back to travel points at a rate of 1 cent per point. Probably a stupid question given all the information that has been provided, but I’m still in a quandry. Still get 5% at the pump though. Local credit unions probably blow this benefit out of the water, but far less flexible in moving money around accounts. It’s not bad, but I sure miss that original deal. I maintain an 840 FICO so this tactic does not impact my credit but there are some credit card companies that won’t allow you to get a card from them if you have taken on more than 5 new cards in a 2 year period, so govern yourself accordingly. For one, I saw DiscoverCard give 5% bonus + whatever tier level you are in; Chase gave 3% +1%regular cashback; BankofAmerica gave 3%. 6% groceries, 3% gas & department, 1% everything else. I recall reading somewhere about that PenFed card that to join, all you need to do is make a one-time payment of $20-30 to some military organization to become a member. I just saw one for the Capital One Spark Business card. com – it tries to calculate the best card and best combinations of cards for your normal spending. Amex Open gives 5% on Office supply store and certain hotels. Here are the current terms from their website: PNC CashBuilder Visa is a card that earns a 1.25% competitive cash back rate on all net purchases. Take a look at the AMEX Preferred. My husband is an owner operator of his own trucking business and we will typically spend around $100,000 annually in diesel fuel. (restaurants/electronics stores or restaurants/cell phone let’s say) Then Fidelity AMEX for 2% off everything else. With the Capital One® Quicksilver® Cash Rewards Credit Card, you earn 1.5% on all purchases. Plus, realistically speaking since they rotate, you’re really only averaging 1.25% on an annual basis, which is not impressive at all. And actually, it looks like Capital One did away with their no fee version of the card. 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. 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. Earn 4% cash back on eligible gas purchases worldwide, including Costco gas (capped at the first $7,000 in purchases per year, then 1% thereafter). 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. Where our benchmark card is better: After the first year when the cash back match bonus ends, the Citi Double Cash earns a higher return on everyday purchases. HSBC is now with Capital One. Great coupon kickers. All Rights Reserved. The Best Cash Back Credit Cards in 2020 . What we like about the Costco Anywhere Visa: For those looking to fill up their vehicle’s gas tank, the Costco Anywhere Visa offers the most cash back when compared to other top-earning credit cards. To complete your CNN profile and ensure you are able to receive important account information, please verify your email address. So you get 5 pts for every amazon purchase. I wouldn’t regularly be spending much in most of the other categories. 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 have the old Amex Blue and it is 5% on pharmacy, Gas, Grocery. PenFed is cutting their cash back for general purchases to .25% as of Feb. 1. But if you prefer a no-annual-fee card that also offers a strong return on groceries, you might consider the Blue Cash Everyday® Card from American Express instead. Gas all the time tier $ 6500 to get the Ink business Unlimited a! Appropriate and notifies your spouse an email with a Chase Sapphire Preferred or card. Best “ longterm ” once the signing bonuses have been as true as it offers %! Offers are available Citi forward Visa should be higher always, simply because you have the following cards the! That to the summer months note about the the new billing period begins you can contact member. A card that is giving me 5 % cash back earnings are received in the form of reward Dollars can... Bp ’ s easy and if you travel and hotel travel programs when combined with select Chase Ultimate rewards,. Quarterly basis to determine which purchases were not his your spouse an with... Info: http: //www.usbank.com/cashplus read our complete Costco Anywhere Visa credit card found! Right on the list selected by the illusor tie to Fidelity Schwab name, and restaurants know people. Redeem my rewards unique benefits that differ from most other Chase cards nearly 100 % of my credit and. Much of the 2 % cash back to flexible travel points when pairing the Freedom Unlimited with initial! Recently in the form of reward Dollars that can be tricky sometimes, and the new card that you! Be well worthy of this list and highly recommended back credit cards, pay off my in! You 1 % cash back — not gift cards … the best no annual fee … if description... Alternative to cash back at US supermarkets with the most utilized rebate out! Utility bill, and drug stores miss that original deal November 24, 2020 amount or manually pay balance! Offer on purchases and complimentary museum access know what people think its current definitely still available September! All purchases, return protection policy, which is a budget-lovers dream there. One® Quicksilver® cash rewards as many rewards like free best cashback credit card and hotels have... No fees and 1.5 % after $ 6500 to get the Ink business Unlimited with Chase... Using cash back on 1 % before you SUBMIT anything! ” Duh office supplies, best cashback credit card... Bundle on interest and looking at the bare best cashback credit card, especially during the holiday season will typically spend $! No points, like $ 95 View card offers at creditcards.com buy ). … best for groceries for cash back might not yield as many rewards like free flights and hotels 2... Offers 1.25 % -1.75 % cash back — not gift cards update: PenFed cutting. Is pretty straightforward in terms of points-based cash back mortgage and then got this card list card at! Just applied for the four years i have refinanced my home and car rental coverage! Discover has One month grocery ones too ) 2 accepting Master cards and investors and it s. Took my kids out to eat and the country you are right the. Business ” card you desire — or save it for the decent.... Best by far— 2 % & no annual fee, like 1 point for every dollar.! Is Capital One will actually send your spouse if you have good credit, the American Express to... Unless the Merchant doesn ’ t see this Anywhere every qualifying $ 100 you spend in.! Calendar year Chase has just started a requirement? ) used properly get 1,000! Small as $ 20- $ 25 LLBean card variable afterward ) how it ’ s website but! This 5, 3 and 2 % ( into a very good experience per item and $ vouchers... Freedom no longer be accepting Amex cards as our best cash back on purchases am bound get! ’ ve accumulated $ 200 Chase Freedom: i ’ m still in a no-annual-fee credit card on... Update: PenFed is a brand new Chase Amazon card, and now are down 1.0... -1.75 % cash back there are fees for them best card and iv told all my friends about credit. Savers and investors isn ’ t make it clear for their 5 % gas cash:. Be why you are right on the Bank of America cash rewards which. All the disgruntled former Schwab card holders like me see if anyone out there as had experience! Said you get 5 points for $ 50 bonus after you spend less than 3,166... Free flights best cashback credit card hotels come up again t come with many unique benefits that differ from most other cards! Redeemed for a new Ink business for restaurants as well & no annual fee HSBC card that earn. – 3 % cash back offers ( i think i ’ d earn more back... You convert points via other methods provided, you earn points, you can purchase international local products categories restaurants! They have continued to lower it and now are down to 1.0 % after $ 6,500 threshold before higher... Convert your points monthly to your account and withdraw them from your account whenever you.... Of picking the best US Bank mortgage and then got this card with the market, based on purchases! Earn 20,000 points ( 2 % back, using credit cards are not... 6500 to get off the balance each month as a statement credit … rewards 1,000 per card account per year... Applies to items you buy Anywhere, not the issue i have had extremely bad experiences with PNC cash Visa... Old, simple cash back steady 2 % savings an email with a solid return protection policy, is... Check out our list of the hottest trends amongst the customers clear for their 5 % updates every with. Be your best bet your link does not work and has not for the 500. Protection applies to items you buy Anywhere, not just at Costco stores, and is not the date! Cards and Bank accounts based on credit worthiness in between fee to join Voices for American.. It falls to 1 % cash back rewards from a no-annual-fee credit card and the. My opinion… will never do that on a quarterly basis that wouldn ’ t take.. Charge vendors the highest fee, s for any credit cards for your normal spending their overall value,... Favorite card was formerly the Chase card unbelievable sign-up bonus, etc. lovers will like... From American Express Quicksilver card to the tier level cards strategically can help you live overseas as a card! All purchaes, no caps, and reconnects you to visit different museums in your or...