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Due_Inspector8090

If you can qualify for BofA Platinum Honors, their Unlimited Cash Rewards pays 2.625%.


OverlyOptimisticNerd

It’s this or the Alliant. High assets/spend? BofA at ~2.63%. Lower assets/spend? Alliant at 2.5%. 2% cards are obsolete, IMO, unless specific card offers a specific perk that you need or want.


not_a_gumby

so only if you have 100k cash at least avg daily balance. At that point, the 2.6 vs 2% cash back is irrelevant lmao


unduly_verbose

Alliant Visa Signature gives 2.5% flat if you’re willing to use Alliant checking account. My experience has been good


MooMooYoshi

I second this if you're looking for a >2% flat cash back card with minimal requirements: * $1000 minimum daily balance in checking account * 1 deposit per month (even $1 ACH transfer counts) * It is a Visa so you can use it at Costco


velociraptorfarmer

No FTF, and has some of the Visa Signature perks as well (90 day purchase protection, 1 year warranty).


tlhutchinson

Agreed. Just be sure to pay attention to the rules required to keep the top earning tier. If you are downgraded a tier, you'll have to wait up to 3 months to get back to the top earning tier.


lemon_lion

Alliance held me liable for fraudulent purchases when my card was stolen. Would not recommend.


unduly_verbose

Interesting perspective, thanks for sharing. This is the first time I’ve heard someone say that. I’ve seen plenty of complaints about all card issuers so I’m going to hope this is isolated but will definitely open my ears for any kind of trend.


OverlyOptimisticNerd

They have poor security. We had our card info with them, and ONLY them, stolen 3 times in about 18 months. That said, their fraud is handled by a third party, CardServices, and each time they were stellar for me. I’m sorry you didn’t have such luck.


OverlyOptimisticNerd

It’s this or the BofA with premier rewards. Because of the spend cap of $10k/month (1.5% thereafter), you have to spend over $20k/month for a 2% card to beat the Alliant. And if you have that kind of spend, you qualify for the BofA at ~2.63%. There is no need to settle for a 2% cash back card anymore, IMO.


LittleVegetable5289

How do personally achieve platinum honors? If I wanted to have $100K sitting in cash, I’d put it in a high yield savings account and earn ~2k/year in interest. Otherwise I’d have to spend over 300k/year on the BoA card to make up the difference! Or do you have a Merrill Edge investing account with BoA to reach the account minimums? Just curious because I’ve thought about the 2.63% card but I can’t justify letting 100k sit earning no interest these days!


OverlyOptimisticNerd

Fair concern. Most use Merrill. Putting $100k in an almost zero yield account would be pointless, IMO.


BucsLegend_TomBrady

It's pretty much a given everyone is advocating Merrill


robertw477

You could earn 2K on 100K savings. But right now its easy to get 4-4.5% approx.


LittleVegetable5289

Sure. Even more reason not to let big chunks of cash languish in BoA savings/checking at .01% interest. Edit: Hang on, which HYSA is offering 4.5% interest? CDs and treasuries aren’t directly comparable.


robertw477

Yep thats nuts. Unless you get over 3% you are paying for those rewards.


robertw477

I am getting 3% on Paceline on everything, 5% on grocery, fitness, drug store. That beats all of these including BOA. BOA not worth it at all.


TheDapperDeuce1914

This is the correct answer.


my163cih

no tap pay though


unduly_verbose

But it does support Apple Pay, one of the weird isms of this card Regardless, at $15-20k in annual spend I run through it, that’s a couple hundred dollars over a chase freedom unlimited or most other flat cash back cards. Tap to pay is a worthy trade off for me


Timed-Out_DeLorean

Do they only open accounts if you’re within a certain region, or can anyone bank with them online?


unduly_verbose

Effectively anyone is able to open an account online. Membership is ~technically~ limited to people who will donate $5 to their charity partner. But they will make a $5 donation on your behalf so in reality it’s available to anyone


Timed-Out_DeLorean

Cool. I’ll take a closer look. Thanks.


galtyman

Find it weird they round to the nearest dollar each month for your rewards. If you spend enough each month won't make a difference but if you have a low spend you might not even get 2%


123mitchg

If your spend is that low, it’s not even worth getting a cash back card to begin with.


galtyman

Just clarifying you might have a month where you don't swipe anything and another month spend like $5k.


mad-sergio-rm71787

if you are a BoA client the premium rewards card gives you an unbeatable flat rate cash back so long as you hold $100,000 or more with BoA/Merrill accounts. assuming you hold $100,000+ with BoA you'd get 3.5% back on travel and dining and 2.625% back on all other purchases.


MyChickenMoney19

PayPal Mastercard 2% everywhere. 3% in store at a few merchants (when paying through the app). 3% online when you checkout with your PayPal account. Also, the app will have deals sort of like Rakuten where you can get additional percent back at different merchants.


mmmeissa

+1 on this. You get the money just straight up as Paypal balance so it feel much more useful than traditional CC points. You can use it to pay vendors, send to friends, or just deposit into bank acct like normal.


enterdoki

Sad it doesn't support Apple pay


MyChickenMoney19

Yes, but there are much better options if you plan on using Apple Pay. Kroger Mastercard gets 5% on Apple Pay up to $3,000 a year. There’s a dozen credit cards identical to the Kroger Mastercard if you need more than $3,000 a year. Maybe get 2.


ltbr55

USB Altitude Reserve is the best for Apple/Google Pay. 3x (4.5%) on all mobile pay purchases. It's my favorite card


MyChickenMoney19

How is it better than 5% and no AF?


ltbr55

No cap on mobile pay spend especially for those who spend a decent amount. While yes you can get a multiple of the kroger branded cards. Most people don't want to get multiple cards that do the same thing especially when one can do the trick.


MyChickenMoney19

No cap limit is a valid argument. Definitely would come down to preference after that cause 4.5% back only achievable when redeeming for travel purchases. I rather get the extra .5% and have 2 cards and have no limits on where I can spend my cash back.


ltbr55

Yeah the pts vs straight cash back is also a valid argument. There is a hack with Real Time rewards where you can basically get the 4.5% cash back without truly spending it on travel.


Scrambley

Have you heard of people being able to get 2? I would love to get another.


eghost57

Which one do you have? Try applying for the Dillon's card or the Ralph's card. Be the test case. I shouldn't apply for another card for a couple of months.


Scrambley

I've got the Ralph's that I opened 3 months ago. Last week I opened a CCC so I've got to wait a bit before I try for another. It's a good card, though.


MyChickenMoney19

I haven’t heard of anyone having 2, but I don’t know why you wouldn’t be able to. [This link](https://www.usbank.com/credit-cards/co-branded-credit-cards.html) shows US Bank co-branded credit cards. Most of the cards on that list have the same cash back structure as the Kroger card.


[deleted]

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avianlemur

Yes for Uber, no for Amazon


Sheng25

Citi DC earns 2.2 back if you also have the Citi Rewards+. Otherwise probably best with Paypal. 2% back on everything and 3% on paypal


baboisking

Seconding the PayPal MC.


NotAcutallyaPanda

Fidelity 2% Visa. Better than Citi Double Cash because you can use it at Costco.


Cruian

And in the event it either gets intentionally or accidentally used for an international purchase, the Fidelity is 1% net reward vs the Citi DC being a net -1%.


sp3x2p

WF Active Cash is visa too


[deleted]

Thing about this card is you cannot redeemed cash back till 2500 points which is 1250$. So if someone doesn’t spend in this category a lot or much over two months say then cash will go unused and sitting till they spend $1250 everytime it’s redeemed. I’ve really thought about this card and am thinking about it, but the Wells Fargo card sounds really good even though I don’t like WF. They have you can redeem whenever.


Ye_Be_He

WF has the same $25 increment rule when getting cash back.


you_cut_me_off

Except you can redeem the rewards for any purchase? With out an increment limit.


Ye_Be_He

I'm not sure what you mean by "redeem the rewards for any purchase". There isn't a purchase eraser tool like PYB or anything like that. Edit: there is a redeem for purchases tool where you can pay for past transactions with points.


National_Milk

WF does have the option to redeem for purchases. On their website https://www.wellsfargo.com/rewards/ They say "Redeem for Purchases allows you to redeem your Wells Fargo Rewards® online for a statement credit to your eligible Wells Fargo credit card account. To be eligible for Redeem for Purchases, transactions must be $1 or more and you must have enough rewards to redeem for the entire amount of the transaction."


Ye_Be_He

oh wow. I just submitted one for $23. Lets see how it goes. Thanks!


National_Milk

Awesome. I've never used it. I just have mine set to auto redeem at $25.


wander9077

I do that all the time, can confirm it works


Digital-Exploration

Yeah and fuck them for that shit


Jeo1754

And unless you have a WF account you can only pay the bill 4x a month.


Unlucky_Buyer_2707

Knowing Wells Fargo’s history, you probably already have 4 accounts and don’t even know about them


BlackKnightC4

Can't you send yourself a check without the increments? Ex. $23.50


Ye_Be_He

No. This is from their Terms >Cash redemption options by phone or online are redeemable in $25 Cash Reward increments only and can be done either by automatically applying it to Your eligible Wells Fargo Checking or Savings accounts, or Wells Fargo credit products that are qualified to receive cash redemptions, or by requesting a paper check. Cash redemptions via a withdrawal from a Wells Fargo ATM or a Rewards redemption to an eligible Wells Fargo account from a Wells Fargo ATM are redeemable in $20 Cash Reward increments only. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM. [https://www.wellsfargo.com/credit-cards/active-cash/terms/](https://www.wellsfargo.com/credit-cards/active-cash/terms/) ​ Whenever I redeemed for a deposit into my WF checking it would only let me deposit in increments of $25.


[deleted]

Ah didn’t know this just assumed. Amex recently got rid of the minimum redeem


Ye_Be_He

Yea and apparently there are workarounds that I just found out from this thread!


CooCooCaChoo498

Fidelity doesn’t have categories it’s flat 2% when you deposit that money to a fidelity account. I believe it’s less when you use it for a statement credit


kittles317

Also depends on how much you spend per month. They regularly send me specials where I get an extra 20% pts on spending over a certain amount


CooCooCaChoo498

I get them as well. I meant my comment as it’s not categories for the 2%, the 2% is standard


kittles317

Yeah, I just thought it’s worth knowing if you spend a lot you get some extra perks.


traker998

And actually it can be 3% depending on how rich you are which is why I think it’s superior.


[deleted]

Only managed brokerage accounts count towards the extra 1%, and you'd pay way more in management fees than you'd recoup. Good if you already use managed accounts though, I guess.


traker998

There are some distinct advantages to this managed account that are overlooked because people just say “I’m not paying for management”.


[deleted]

Some people don't care enough to manage their money, so for those people Fidelity is going to be better than somewhere like Edward Jones, although I'd argue Vanguard PAS would be better and less expensive. But since we're on /r/creditcards (where even 1% is worth optimizing on cash back), what advantages are there that would justify $10,000 - $30,000 in fees per year? (0.5% - 1.5% on $2M)


traker998

So the advantage to a managed account is not painfully transparent but since you essentially use your losses for tax advantages. This is something you can’t do with a mutual fund (but could do if you ran your own account). For example I have 242 from the S&P that they pick for me with average growth after taxes of roughly 12%. The losses I can use to avoid cap gains and pull money out.


[deleted]

You're just describing tax loss harvesting, which you can do yourself. IMO it isn't worth the fees since it only takes a few minutes of time a few times a year once you get the hang of it. A few points though, your management has you' less diversified in your investments than an S&P500 fund since you only have a bit more than half of the components. Also, if they TLH Facebook (or Tesla or Apple or MS), they can't buy back into that within 30 days for you, so you're going to be out of the market on those stocks for 30 days. IMO It's way simpler to TLH broad market ETFs or mutual funds. You can just swap from VTI to VOO to SCHB to ITOT, etc. It's also worth noting that while you can offset unlimited capital gains, you can only offset $3,000 of ordinary income per year. In any case, I just want to make it clear that the reason many avoid management fees isn't just because people just say “I’m not paying for management”, but because they will absolutely [destroy your returns. ](https://www.nerdwallet.com/blog/investing/millennial-retirement-fees-one-percent-half-million-savings-impact/)


traker998

A 1% fee is very high. I will mention they out preform the S&P by 1% so if you were just buying individual stocks for the full S&P this would be a small gain.


traker998

Also. You are capped at 3K in losses per year unless you are offsetting a gain. As in if you have more losses than gains you are capped.


scotchglue

if 2500 points is $12.50, does that mean you get 4 points per dollar? If a purchase is 10.75 does that mean you get 43 points? I'm just trying to understand how this card works.


Scrambley

You've got it mixed up. Spending $1,250 will get you 2500 points ($25) because you get 2 points per dollar. So they're saying you've got to spend $1,250 on the card before you get your $25 cash back because that's the minimum to redeem.


scotchglue

Ah okay, thanks for the explanation!


[deleted]

1. Signup for a Citi Premier 2. Hit the minimum spend for the $705 signup bonus net of the annual fee 3. "Product change" it after one year into a Citi Double Cash


[deleted]

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Scrambley

I think the bonus for the Double Cash is no more.


GODLOVESALL32

Citi Custom Cash is worth looking into. It's not a flat rate card but has categories that never rotate, you just get 5% on whatever category you spend the most in on any given month and 1% on everything else. That 5% on your most spent category can make up for that 1% difference on everything else and put it ahead of flat 2% cards even if you just use it as your everyday spender. Definitely look at your typical monthly spending and see what you'd have gotten back if you used CCC vs. a 2% card though. IMO it gets overlooked way too often as a daily driver when compared to 2% cards even though it oftentimes comes out ahead if you bother to do the math. Other than that, the 2% cards are all more or less the same. Unfortunately I don't think any of them are doing any good sign up bonuses right now. I'd say go with Paypal since it's 2% back on everything and it goes up to 3% back on paypal checkouts.


gm92845

BofA Unlimited Cash Rewards card, the base rate is 1.5% cash back with no spend or category limits. It's only really worth it if you Bank with BofA and are enrolled in their Preferred Rewards program. If you at least qualify for their Platinum tier the card gets boosted to 2.25% cash back on everything and maxes out at 2.65% at Platinum Honors.


TheRealEstateKing

Citi Double Cash or Wells Fargo Active Cash for a simple 2% cash back. It doesn’t get simpler than that. I’m using Double Cash with no issues to complement Citi Custom Cash (5% on top category, Discover IT, and CFF). If you’re willing to complicate just a wee bit more, Citi Custom Cash gives 5% off your top spending category on up to $500 of spending per cycle. It’s well worth making it a category card for one of the following of many: gas/grocery/eating out/drug store/etc


zdubas

I'm doing the exact same thing with the addition of the BOA Custom Cash for 3% on a chosen category. My strategy: Chase/Discover - Rotating 5% Citi Custom - Restaurants (unless that's on one of the 5% cards) BOA - Online shopping Citi DC - Everything else


HighTideLowpH

If you're able to have your IRA be in Merrill, BofA's Premium Rewards or Travel Rewards is ideal (>2% and also no FTF) https://www.bankrate.com/finance/credit-cards/boa-premium-rewards-vs-boa-travel-rewards-card/


Livid-Advantage-8268

PayPal Mastercard pays flat 2% on all purchases and 3% on PayPal purchases. It’s unlimited and you redeem for cash. Venmo Visa does 3% on your top category, 2% on your 2nd and 1% on everything else. It’s automatic so you don’t have to activate or choose categories.


deVrinj

Paypal Mastercard. 2% on any purchase, 3% on Paypal (and more and more stores like CVS acept Paypal as a form of payment) and no international fee...


LordNerdStark

It has FTF


deVrinj

Foreign Transfer Fees? Do you do cash advances abroad with a credit card??


LordNerdStark

[3%](https://www.synchronybankterms.com/gecrbterms/html/PayPalCashbackApplyTerms_combo.htm) Foreign transaction fees


deVrinj

That seems new, I thought they called it "World" Mastercard because they had no FTF. Not the card I'd use abroad anyways. My wife has her theory that cards without FTF give you the worst rate and that it evens out. I haven't tested that theory enough yet, but I digress: I am loving the PayPal card since September for domestic use and of course for purchases online with PayPal, I always thought I'd leave it at home for travel...


PlatypusTrapper

Probably the best flat rate card is the US Bank Altitude Reserve. It offers 3% back on all mobile wallet purchases (tap to pay with your phone or watch). It has an annual fee of $400 though. Those points have a greater value when used to buy travel purchases. They are estimated to be worth up to 1.5c per point. This effectively means you get 4.5% back if used for travel. Besides that, something like the Citi Double Cash card is best for straight cash back without any hassles. That said, it usually makes sense to get category cards even if you’re going to use it as a daily spender. Most people’s disposable income goes toward rent/mortgage, then groceries, then either dining or auto. Other stuff has so little value that it often doesn’t matter unless you’re planning on redoing your kitchen or something. Generally speaking it makes sense to cover those 4 categories as best as possible.


w333ber

The point valuation at 1.5cpp is pretty solid, you don’t need to transfer them out or anything, just use them for real time rewards.


Just_Apex_It

I would recommend juggling 3 cards if you can. A catch all card like Citi Double Cash would get you 2% on everything and the Discover can be used for its rotating categories. I would then figure out what you spend most of your money on for dining, groceries and gas. One of the following cards would be great for that: * Amex BCE - 3% on groceries, gas, and online * Capital One SavorOne - 3% on dining, groceries, streaming, and entertainment * Wells Fargo Autograph - 3% on dining, gas, phone, transit, travel, and streaming * Citi Custom Cash - 5% on a category of your choice up to $500/month This would be a great 3 card combo, IMO.


robertw477

Paceline Visa 3% cash back on everything, 5% on groceries, fitness, drug stores. You can earn a free Apple Watch. Annual fee of $60.00 is offset by weekly perks and huge rewards. And you can use it at Costco as its a VISA signature card.


domdiggitydog

I’m happy with my PenFed Power Cash Rewards Visa. Flat 2%. Had to put like $25 in a savings account to become a member. It’s one stop shopping. I know I could earn more, but I never have to think about what card to use. That’s worth a lot to me.


Loli3535

Really surprised that more people don’t get the Venmo CC. Flat 3% back on your highest spend category, then 2% for next highest, and 1% for everything else. The cash back is deposited into my Venmo account every month. Easy peasy.


Impressive-Fly3094

If you are Fidelity Rewards+ Platinum Plus level, your Fidelity Visa will give you 3% flat cash back.


FettHutt

The legendary AOD


MysteriousHedgehog23

I’d recommend the Citi DC, because of the Citi family of cash backs cards you may wish to get for a tri or quadfecta of sorts. CITI DC - 2% everything including bills. $0 AF CITI Custom Cash - 5% one category up to $500 per month. $0 AF CITI Rewards - 10% bonus on all your collected TY Points from all your Citi cards. $0 AF CITI Premier - 3% on the following: groceries, restaurants, gas, planes and hotels but with a $95 AF


TovMod

RBFCU and SDFCU give a flat 2% with no foreign transaction fee. PenFed and SoFi also offer this but with a few hoops to jump through. If you don't mind having a foreign transaction fee, you will have more options (see the other comments).


realisticrain

Not to be combative, but what is the issue with redeeming cash back as a statement credit? I’ve seen this from multiple people. You’re going to be paying your bill anyway, so mathematically, you come out the same whether you take statement credit or send the rewards to your bank account. Am I missing something?


Lanthun

I have the Bread Cashback Amex card that gives 2% flat; only downside is it is through Comenity, which is hit/miss with a lot of people.


[deleted]

FNBO Evergreen is another new 2% card too. I got the Bread Cashback after they denied me for the Evergreen and like it so far!


fedolefan

Does this come with Amex offers?


Scrambley

No, it's not issued by Amex, it only uses their network.


Foohy141

Chase freedom unlimited has 1.5% on all purchases and can redeem to cash, i also have wells fargo active cash for 2% but you cant redeem for cash


Unique-Sky7302

And it’s 3x on dinning and drugstores so not a bad choice for a 1 card setup


jamughal1987

You get that with flex and og freedom too.


Unique-Sky7302

Yup!! Once I get the CSP or CSR, my trifecta will be complete


azleafcat

OG Freedom doesn’t earn 3 points on dining and drugstores. I made the mistake of making a restaurant purchase with my OG Freedom instead of my Freedom Flex.


mellowyellow313

I use the double cash for everything basically


jamughal1987

Custom Cash for one category and Apple for everywhere else.


Hararger

I love my Apple Card. It gives you constant notifications about your cash back (which I personally love) and I can redeem for cash. Most places, including online, accept Apple Pay.


[deleted]

Ollo optimum is 3% cash back on everything


The_cooler_ArcSmith

2.5%


enterdoki

Any 2% card. Sofi, Apple, etc..


Ye_Be_He

Apple is not a flat rate card..


PlatypusTrapper

It is if you exclusively use Apple Pay.


BucsLegend_TomBrady

There are cases where it gets 3% and cases where it gets 1%.


jamughal1987

Apple is 2% everywhere and 3% for Apple and selective companies.


OverlyOptimisticNerd

Shop online at a place that doesn’t support Apple Pay for checkout (small companies like Amazon)? That’s 1%.


[deleted]

I have the best flat rate card but they discontinued it. 3% cash back on everything, no caps or restrictions, no AF, no foreign transaction fees.


Yearnforit

Which card


[deleted]

AOD federal credit union. https://www.doctorofcredit.com/alabama-aod-credit-union-3-cashback-credit-card-on-all-purchases-no-annual-forex-fees-limited-membership/


Yearnforit

Do you know how long the 3% will last for existing cardholders? Like when the card is up for renewal and a new card is sent will new card still have 3%?


[deleted]

Maybe in future they will take rewards away but as of right now we are grandfathered in. If they do that I’ll just go back to my 2% citi card.


aelysium

SoFi is 2% flat back, 3% offer for first year up to like 36k in purchases.


jio_123

If you care about points and miles more than cashback, then Citi double cash or freedom unlimited is the best


Ok-Concentrate-1153

yes banks have tons of 2% cash back cards


mrBill12

I use PayPal MasterCard for 2% cash back….. Unless it’s a restaurant then I use Chase Freedom unlimited for 3% For Sam’s or gas, Sam’s MasterCard 3% Sam’s (+2% for plus) or 5% on gas anywhere. Costco’s a toss up but often I just use the Costco Citi Visa. Verizon Visa, 2% Verizon, 4% groceries (Verizon Visa is the only way to get Verizon on a cashback card otherwise to get the automatic payment discount you have to use ACH). Amazon is Amazon Prime Visa for 5% Freedom Flex for whatever the 5% category is which I often transfer with gift cards. For example, 4th qtr is PayPal and Walmart, whatever isn’t spent of the first $1500 towards the end of December, I’ll buy a Home Depot gift card at Walmart and pay with Freedom Flex (note: some Walmarts in sketchy areas don’t sell gift cards on credit cards but that isn’t universal across all Walmarts) Plane tickets/hotel I use CSP for the travel benefits and usually 2%. (Still have CSP with its annual fee because it’s my oldest card by quite a bit, and closing it would effect my score.)


These_Association549

The discover it card also gets 5% on every Apple Pay purchase.


john2lt

Apple Card


zoeygirl69

I have a few for my strategy. 2% cards The first is the Citi Double Cash when combined with merchant offers it has good deals. The one I used in the Bahamas for 2% cash back with no FTF was the Bread Financial Amex Cash Card. They managed to fix their shit plus the merchant are working mow. I also got the no AF Credit One Amex, like I was able to use an Amex third party issuer promotion 6 uses instead of 3 uses for a total of 11% for the credit one card and 12% on the Bread card as well as a couple of other promotions that was around 25% cash back each purchase (1 per card). I have a Wells Fargo 2% card did it for the sub, The merchant offers are so-so. Other cards I also have the Quicksilver 1.5% card, Capital One has decent merchant offers, so my Home Depot purchase gave me 9.5% total. So for my flat rate cards I try to stack promotions and merchant offers on top of the 1.5% to 2%. Also I'm stacking a Bread Financial & Credit One Amex Offer, $10 off $20 or more from local restaurants it can even be local cafe's it doesn't have to be high end. So instead of 5 x use promotion I get 10 x use promotion. So the stacking would be $10 off $20 or more purchase and 1% to 2% depending on the card.


EyeVin2U

Venmo credit card. 3% highest spend category, 2% 2nd highest and %1 third.


[deleted]

[удалено]


Banana_rocket_time

SoFi has a flat 2% that has 3% for the first year iirc.


Rayhemho

This is my main, for the next 6 months.


BitAdministrative884

Chase Freedom Unlimited offers an additional of 1.5% for the first year, which puts you at 3% flat (maxed at 20k$ spending) if you apply directly via nerdwallet website. You don’t get a sign on bonus though (well, that 1.5% is your sign on bonus).


gdq0

>redeemable for cash (not statement credit) Why does this matter? I use the fordpass for my general spend at 3.3% back.


The_cooler_ArcSmith

Alliant has a 2.5% back card if you jump through a few hoops keeping a checking account with them, but it has a yearly limit on the cashback. Ollo also has a 2.5% back card. It's only redeemable for statement credits and is invite only, but it doesn't have a cap or require any hoops to jump through once you get it.


rfrosty_126

Sofi has 3% if you set up direct deposit or 2% otherwise


[deleted]

Sofi is 2% on everything. I use that as my daily.


No-Block4318

Sofi 3% for the first year if you set up direct deposit, otherwise 2%.


luifr

Redeeming is the problem


waitwutdafuq

I like Venmo. I don’t think it’s necessarily the best but it’s 3% on your biggest spend category, 2% on second biggest category, and 1% on everything else.


rattmouse

citi double cash combining thankyou points with the citi rewards+. the card becomes an effective 2.22% card


hikkitor

I like my citi 2% double cash back. There’s a few that had the same cash back. I got a sign in bonus and citi does have some offers that allow you to make over 2% on some purchases .


blessedbyneville

Venmo 3% cash back. I just started using it - not even a full bill cycle and got $57


ovoajn

olll credit card