8 Best Cash Back Credit Cards – Reviews & Comparison

AT A GLANCE

8 Best Cash Back Credit Cards –

Published or updated: January 30, 2015

credit card cash pocketAmong rewards credit cards, cash back cards are the most popular. Instead of offering bonuses that can only be redeemed for airline miles or hotel stays, cash back cards reward you for your purchases with actual cash that, for the most part, can be used however you like.

An important factor in determining which cards are the best cash back credit cards is how much cash is received per dollar spent, and whether it is possible to earn enough cash back to compensate for the cost of carrying the credit card. Keep in mind that in order to maximize your earning potential on any reward card, it is recommended that you pay your balance in full each month in order to avoid paying interest on purchases.

If you consistently carry balances on your credit cards, you should instead consider a credit card with a low APR, rather than a card which earns rewards. However, if you believe that you’d benefit most from a cash back credit card, there are 10 cards that stand out above the rest.

Best Cash Back Credit Cards

1. Discover it

5% Cash Back in Rotating Categories Every Quarter; 1% on Everything Else

discover itThe Discover it card is the newest version of the Discover More card, but it allows better cash back opportunities than its predecessor. However, the Discover it card is one of the only credit cards that does not offer a sign-up bonus. Instead, you are offered a credit card with one of the highest cash back rates of 5% on quarterly categories, and very few fees. The Discover it card is also one of the only no-annual fee cash back rewards cards that does not carry a foreign transaction fee.

  • Sign-up Bonus. Discover it features no sign-up bonus.
  • Fees. There is no annual fee and no foreign transaction fee. There is also no late fee on the first late payment. The balance transfer fee is 3% of the transfer.
  • Introductory APR. The APR is 0% on purchases and balance transfers for the first 14 months following account opening. After that, the APR is 10.99% to 22.99% depending on your credit worthiness and the prime rate.
  • Cash Back Rewards. The rewards program is based on quarterly rotating categories that you sign up for each quarter to get the higher cash back amount. These include purchases such as home improvement, gasoline, and meals at restaurants. These categories earn 5% cash back and generally have a cap of $1,500 in purchases for each quarterly category. After you have reached the cap (or if you do not sign up for the bonus categories each quarter), you earn an unlimited 1% on those purchases. All other purchases made outside of those quarterly categories earn an unlimited 1%. With just the bonus category at 5%, you could earn $75 in cash back per quarter, or $300 per year.
  • Redemption. Cash back can be redeemed in increments of $50 for a statement credit or direct deposit into your bank account.

See our Discover it Card Review for more information.

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2. Chase Freedom

5% Cash Back in Rotating Categories Every Quarter; 1% on Everything Else

chase freedomThe Chase Freedom credit card offers a cash back rewards program similar to Discover it with quarterly rotating categories that earn as much as 5% cash back. Unlike the Discover it card, however, the  Chase Freedom card includes a sign-up bonus. On the downside, Chase Freedom has a foreign transaction fee.

  • Sign-up Bonus. You are awarded a bonus of $100 cash back when you spend at least $500 in purchases during the first three months after opening the account.
  • Fees. There is no annual fee. The foreign transaction fee is 3%, and the balance transfer fee is $5 or 3%, whichever is greater.
  • Introductory APR. The APR is 0% on purchases and balance transfers for the first 15 months after opening the account. After that, the APR is 13.99% to 22.99% depending on your credit worthiness and the prime rate.
  • Cash Back Rewards. The Chase Freedom card awards 5% cash back on rotating categories that you need to activate each quarter to get the higher cash back amount. The cap on rotating categories is set at $1,500 per category while all other purchases earn 1% cash back. Although there are quarterly caps on the rotating categories, the 1% cash back category is unlimited, as well as the 1% you earn after you reach the cap.
  • Redemption. Although similar, one of the differences between the Discover it and Chase Freedom is that the Chase Freedom credit card allows redemption of a minimum of $20 for a statement credit, direct deposit, or paper check. Chase also awards an additional bonus of 10% on the points earned in the previous year if you have a Chase checking account.

See our Chase Freedom Card Review for more information.

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3. Blue Cash Everyday® Card from American Express

3% Cash Back at Supermarkets; 2% at Gas Stations & Department Stores; 1% Elsewhere

american express blue cash everydayIf you would like to earn cash back rewards on every day purchases (such as gasoline, groceries, and department stores) without the requirement of managing quarterly rotating categories, the Blue Cash Everyday Card from American Express (a Money Crashers partner) returns as much as 3% for these purchases. While there  is no annual fee for the Blue Cash Everyday, there is a cap on supermarket purchases of $6,000 per year. The American Express Blue Cash Everyday card is considered one of the best cash back credit cards with no annual fee that rewards day-to-day purchases.

  • Sign-up Bonus. When you spend $1,000 or more within the first 3 months of opening the account, you receive a bonus of 100 Reward Dollars, which can be redeemed for a $100 statement credit.
  • Fees. There is no annual fee. The foreign transaction fee is 2.7%, and the balance transfer fee is $5 or 3% of the total transfer, whichever is greater.
  • Introductory APR. The APR is 0% on purchases and balance transfers for the first 15 months of account opening. After that, the APR is 12.99% to 21.99% depending on your credit worthiness and the prime rate.
  • Cash Back Rewards. American Express Blue Cash Everyday awards 3% on the first $6,000 spent annually on supermarket purchases in the U.S. (1% thereafter), 2% on gas purchases and U.S. department stores, and 1% on all other purchases. The cap of $6,000 only applies to supermarket purchases, allowing you to earn approximately $180 in cash back per year just in grocery stores. There is no cap on gas purchases, U.S. department stores, or the the “all other purchases” category.
  • Redemption. Cash back is awarded in Reward Dollars, with one Reward Dollar being equal to $1. Your Reward Dollars can be redeemed anytime at a minimum of 25 Reward Dollars.

See our Review of Blue Cash Everyday® Card from American Express for more information.
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4. Blue Cash Preferred® Card from American Express

6% Cash Back at Supermarkets; 3% at Gas Stations & Department Stores; 1% Elsewhere

american express blue cash preferredAlthough the American Express Preferred card (a Money Crashers partner) is similar to the American Express Blue Cash Everyday card, there are several significant differences that also make it an equally competitive cash back credit card. There is an annual fee for the Preferred version, but – depending on your spending habits – it may provide larger rewards than the standard no-annual fee rewards cards. This, along with a program that rewards spending on everyday purchases, establishes the American Express Blue Cash Preferred as one of the best cash back credit cards available.

  • Sign-up Bonus. When you spend at least $1,000 with your card in the first 3 months of membership, you receive a bonus of 150 Reward Dollars, which can be redeemed for a $150 statement credit.
  • Fees. The annual fee is $75. The foreign transaction fee is 2.7%, and the balance transfer fee is $5 or 3% , whichever is greater.
  • Introductory APR. The APR is 0% on purchases and balance transfers for the first 15 months. After that, the APR is 12.99% to 21.99% depending on your credit worthiness and the prime rate.
  • Cash Back Rewards. The American Express Blue Cash Preferred card rewards purchases with Reward Dollars at 6% cash back for U.S. supermarkets (up to $6,000 per year in purchases and then 1% thereafter), 3% cash back at U.S. gas stations and U.S. department stores, and 1% everywhere else. While the cap on grocery store purchases is similar to the Blue Cash Everyday card, you earn 6% cash back rather than 3% on those purchases. In comparison, this allows you to earn $360 in cash back on your grocery purchases each year with the Preferred card – double what you would earn with the Blue Cash Everyday card. The amount you spend at supermarkets, gas stations, and U.S. departments stores with your card determines whether the annual fee of the Preferred card is worth the rewards earned. There is no cap on the 1% category or the 1% earned after you reach the cap on grocery store purchases.
  • Redemption. Cash back is awarded in Reward Dollars, which can be redeemed anytime at a minimum of 25 Reward Dollars. One Reward Dollar is equal to $1.

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5. Bank AmeriCard Cash Rewards

3% Cash Back on Gas; 2% on Grocery Store Purchases; 1% on Everything Else

bank americardThe Bank AmeriCard Cash Rewards credit card is a great cash back credit card if you have accounts with Bank of America or Merrill Lynch and do not want to bother with rotating categories. This card rewards you for everyday purchases, and provides a bonus if you have a Bank of America or Merrill Lynch Cash Management account.

  • Sign-up Bonus. You earn a bonus of $100 cash back when you spend at least $500 with your card within the first 90 days of opening your account.
  • Fees. There is no annual fee. The foreign transaction fee is 3%, and the balance transfer fee is $10 or 3%, whichever is greater.
  • Introductory APR. The APR is 0% on purchases and balance transfers for the first 12 months. After that, the APR is 12.99% to 22.99% depending on your credit worthiness and the prime rate.
  • Cash Back Rewards. BankAmericard Cash Rewards credit card awards 3% cash back on gasoline purchases, 2% on grocery store purchases, and 1% cash back on all other purchases. The cap is set at $1,500 in combined gasoline and grocery store purchases per quarter, which do not have to be activated. After that, all purchases earn an unlimited 1%.
  • Redemption. Rewards can be redeemed for a statement credit or direct deposit into a Bank of America checking or savings account. If you have an account with Bank of America or Merrill Lynch Cash Management, you receive a 10% bonus when you redeem directly into your account.

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6. Capital One Quicksilver Cash Rewards

1.5% Cash Back on All Purchases

capital one quicksilverThere is something to be said for simplicity, which is why the Capital One Quicksilver Cash Rewards credit card is one of the best cash back cards available – especially if you outspend the caps that other cash back credit cards offer. Purchases earn a flat 1.5% cash back, which can be redeemed for any amount as an account credit, check, or gift card. There also no limits to the amount of cash back that can be earned on eligible purchases, so regardless of which category of purchase you make – or whether you spend entirely within one category for a few months – you always earn 1.5% cash back. Additionally, since you can redeem anytime you like, you don’t have to wait until you have a certain amount built up.

  • Sign-up Bonus. You earn a bonus of $100 cash back when you spend at least $500 with your card within the first three months of opening an account.
  • Fees. There is no annual fee and no foreign transaction fee.
  • Introductory APR. The APR is 12.9% to 20.9% depending on your credit worthiness and the prime rate.
  • Cash Back Rewards. The Capital One QuickSilver Cash Rewards card awards 1.5% cash back on all purchases – there are no rotating categories or specific purchases that earn more or less. Furthermore, there is no limit to the amount of cash back that you can earn, and rewards do not expire. If you spent $2,000 per month with your card, you would earn $360 in cash back per year – you don’t have to concern yourself with caps or signing up for bonus categories every few months.
  • Redemption. Cash back can be redeemed for statement credits, checks, or gift cards in any amount. There is no minimum amount that you need to acquire before you are able to redeem your rewards.

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7. U.S. Bank Cash+ Visa Signature

5% Cash Back in Two Categories of Your Choice; 2% in Another Category; 1% on Everything Else

us bank cash plusThe U.S. Bank Cash+ Visa Signature card offers an excellent rewards program for diligent cardholders who spend above annual or quarterly caps. The rewards program allows you to choose the categories you receive the highest amount of cash back in each quarter such as grocery stores, car rentals, hotels, and movie theaters. If you are able to plan your spending, you will earn 5% and 2% cash back each quarter in the categories you choose, without any limits in the 2% and 1% cash back categories or worries of expiring rewards. There is also an extra annual bonus of $25 each year, as well as the convenience of redeeming cash back at any time you choose. However, you need to apply in a U.S. Bank branch in order to be considered for approval.

  • Sign-up Bonus. There is no sign-up bonus, but you do earn an additional bonus of $25 each year that you redeem $100 or more in a single rewards redemption.
  • Fees. There is no annual fee for the card. The foreign transaction fee is 2% for U.S. dollars, and 3% for foreign currency. The balance transfer fee is 3%.
  • Introductory APR. The APR on purchases is 13.99% to $23.99%. There is an introductory offer of 0% on balance transfers for the first six months after opening the account, after which the APR will be 13.99% to 23.99% depending on your credit worthiness and the prime rate.
  • Cash Back Rewards. The U.S. Bank Cash+ card awards you 5% cash back on your first $2,000 in combined purchases in two categories each quarter that you select (such as restaurants or department stores). The categories may change each quarter, and you must be sure to choose your categories – otherwise, those purchases will earn a mere 1%. There is a spending cap of $2,000 for the 5% categories, after which you earn 1%. You also earn 2% cash back on one everyday category that you choose quarterly (such as gas or groceries) and 1% cash back on all other purchases. There is no cap on purchases made in the 2% or 1% categories, and rewards do not expire.
  • Redemption. There is no minimum redemption requirement. You can redeem your cash back at any time to a checking or savings account or as a statement credit.

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8. Fidelity® Investment Rewards American Express® Card

2% Cash Back on All Purchases

fidelity investment rewardsThe Fidelity Investment Rewards American Express (a Money Crashers partner) is another cash back credit card for those who would rather not manage quarterly categories or plan ahead in order to take advantage of bonus categories. The Fidelity Investment Rewards card offers a simple program for earning points on everyday purchases without limits or rotating categories. There are no special spending categories; you earn two points on all purchases, and you can redeem for cash straight into your account rather than just a statement credit.

  • Sign-up Bonus. There is no sign-up bonus.
  • Fees. There is no annual fee for the card. The foreign transaction fee is 1%, and the balance transfer fee is $10 or 4% , whichever is greater. This is the lowest foreign transaction fee available, except for the Discover it and Capital One cards which don’t charge any foreign transaction fee at all.
  • Introductory APR. The APR on purchases is 13.99%. There is an introductory offer of 0% on balance transfers for seven months, after which the APR becomes 13.99% and varies with the prime rate.
  • Cash Back Rewards. You are able to earn a flat two points on each dollar spent (equaling 2%). There are no caps or limits to the amount of cash back that can be earned.
  • Redemption. You need a Fidelity account for this card, whether investment or just banking. You can choose to redeem your points as cash deposits into your Fidelity account, or you can redeem them through the WorldPoints  program for airline travel, gift certificates, cash, car rentals, or hotel stays. If you choose automatic deposit, $50 will be deposited each time you make $2,500 in purchases.

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Final Word

It is important to consider everything involved with cash back credit cards – often, you are able to redeem for merchandise and gift cards at a higher rate than the actual cash back. Consider the purchases you make and will make in the future when determining whether you can maximize a card with rotating categories or fixed categories, or a card that just offers a flat cash back amount on any purchase you make. And to get the most of any rewards credit card, be sure that you are able to at least pay it off in full most of the time – otherwise, you will have a difficult time getting your money’s worth.

What is your experience with cash back credit cards?

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Published or updated: January 30, 2015

Categories: Credit and Debt, Credit Cards, Reviews

  • Anonymous

    I refuse to use any credit card with an annual fee. Our favorite cash back card is the HSBC Platinum Cash MasterCard which is not still available for others, but still works for us. It gives an amazing 5% back on all gas, groceries, and drug store(non-prescriptions only) purchases but stops the yearly rewards after it reaches $500.00. It does not have any annual fee. We always reach the maximum and get $500 each year which we apply against our next statement when awarded. I have a feeling that they will drastically change or eliminate this card soon since their credit card division has recently been sold to another company. We also have a straight 1% cash back MasterCard for purchasing anything from Bank of America that does not limit how much you can earn. It also includes ShopSafe software that we use for all internet purchases since we can assign temporary credit card numbers with amount and expiration date adjustable. We also have a third card from Capital One that gives 1% on most stuff and 2% on gas which we got mainly for travel outside the US so we will not have to pay the 3% transaction fee that is common for our other cards.

    • Jason

      Refusal of an annual fee is fairly foolish because you are cutting yourself off from some of the best possible reward cards. Obviously in a perfect world, you would want no annual fees, but if you do the math, you should well exceed the annual fees and bring in much more value in the end. Whatever works for you is nice, but you should always consider all your options.

      • Jesse Barnes

        This does have some merit… But you have to weigh your typical spend on the card and determine if it will be enough to offset the card’s fee in relation to what you are getting back from the card. Like with miles its very tricky. Just cuz you get so many miles back that doesn’t make it worth while. How much would it cost to just buy a ticket of the same mileage redemption? and how much did it cost you to get those miles you redeemed? I have found the vast majority of the time, except for large bonuses, that just getting cash back and buying the ticket is about the same as earning miles to redeem for the ticket. Just make sure you are actually assessing the “value” of the rewards.

  • http://markwilson.webstarts.com/travel_money.html Vernon Groston

    I just signed up for the $200 cash back Chase Freedom card. I spent $500 on some much needed things (i.e. new tires, car maintenance), and now I can receive my $200 cash back. Not to mention….I am getting 5% cash back on all these purchases.

  • http://lifelaidout.com/ Roger

    I’ve always been torn with the Chase Freedom card (and cards that act like it). On the one hand, you can get up to 5% cash back on bonus categories in a particular quarter (up to a limit). However, I hate how you have to keep track of the changing categories each quarter and I may not even spend much money in those bonus categories. The Fidelity and US Bank cards seem very interesting though.

  • 2-copper-coins.com

    I’ve been on the fence about the Discover It card, but your review definitely pushes me one step closer to signing up. It was recommended by a friend of mine who swears by it. Are any of these cards in your wallet? Any personal preference?

    • Mark

      The 5% cash back for online shopping sold me on it, even if it is for one quarter.

    • Reesy

      I have had Discover card for 10+ years and like doing doing business with them as I fill my personal info is safe and they notify me when a purchase looks suspicious. However, when they say 1% on everything else that is not entirely true. They only pay a quarter of a percent (.0025) for what they call warehouse purchases, basically anything charged at Walmart, Sams, and Amazon. This I’m not too happy about as most of my $$ are spent at these stores. Shopping around to see if any of the other top rated cards do the same thing. Does anyone know of others that cutback the 1% on these stores?

  • FBC1125

    The newer Citi Double Cash MasterCard is also quite good with 2% cash back on all purchases.

  • TimBrunellivo

    like Debra said I am shocked that you can get paid $5611 in one month on the internet . visit

  • Brian S

    US Bank Cash plus is offering 5% cash back from purchases
    from “electronic stores” and state: “Make even smarter buys when you earn cash
    back on the latest tech products, including televisions, computers and phones.” They also state in the fine print “Purchases
    which fall into the eligible Purchase Category will receive the stated Rebate.
    U.S. Bank makes every effort to include all relevant merchant category codes in
    its listed Purchase Categories.”
    However, this last statement is false.
    The only merchant code that qualifies 5732 for “electronic
    sales/repair”. This is a very narrow
    definition and does not meet their claim that they “make every effort to
    include all relevant merchant category codes”.
    For example, they do not include 5045 for “computer stores/services”
    when clearly they lead customers to believe that computers should qualify as
    electronics. Stay away from this credit
    card. The categories are narrowly
    defined and not user friendly.

  • disqust101

    What a load of nonsense this post is. Some terrible offers you’re pimpin’ to unsuspecting noobs.

    If people want an HONEST review, go read DoctorOfCredit blog. That guy isn’t shilling crappy credit card links like this pimp is doing – of course, she gets $$$$ for every sucker who uses her links.

  • FraserSt

    Nowadays for 2% cash back everywhere there’s also the Citi Double Cash MasterCard which has the advantage of wider acceptance over the Fidelity AmEx. Also, since Costco announced it’s ending its exclusive arrangement with AmEx in March of 2016, soon there’ll be no reason to have the Fidelity AmEx as the Citi Double Cash will be beat it in the ways that matter to most cash back seekers.

  • Ashish Srivastav

    Citi double cashback… Not listed, is better than other ones here.

    • Mark

      I know right?

    • Jesse Barnes

      Love it when the readers are more aware of the topic than the author is! Citi DblCash is the new Quicksilver.

  • Jazzy Bill

    The USBANK credit card is taking away one perk
    Sign-up Bonus. There is no sign-up bonus, but you do earn an additional bonus of $25 each year that you redeem $100 or more in a single rewards redemption.
    as of April 1, 2015 I got the notice in the mail today!!!

    • Jesse Barnes

      The limit was changed from 1 x per calendar year to 1 x per account.

  • Tornado In The Sky

    Be careful with USBANK the benefits are starting to fade. The free $25.00 a year if you redeem $100.00 all at once is ending on April 1, 2015. The selections to choose from for cash back changes their minds and they keep getting worse.

    • Bigd

      I agree, I have this card and usbank is totally ruining it. The categories are stupid for which to choose from like gym memberships and furniture stores. They moved restaurants to a 2% category, now they are doing away with the bonus. Avoid this card at all costs!

    • Jesse Barnes

      I 2nd that…
      Signed up because of the bonuses and great categories, but now the changes have move this one to the sock drawer.

  • FraserSt

    There’s also the new Discover it Miles card that will earn you 3% cash back for the first year. The way it works is you earn 1.5 “miles” per $1 spent. Then, at the end of the year, they double your earnings! So you get up getting 3 miles per $1 spent. Then you can turn your miles into cash at a rate of 1 cent per mile.

  • Mark

    Citi Double Cash has pretty much replaced my CapOne 1.5% Quicksilver card.

    • Jesse Barnes

      Agreed… Anyone using the Cap1 card over the citi card is wasting money.

    • http://www.webmasterspride.com/ Webmasters Pride

      Happy with Citi Double Cash.

  • Jason

    These are what I feel are the best cards. Keep in mind, I don’t care if I get cash back or miles as long as I’m getting the most valuation. Starred cards carry an annual fee. The below portfolio is intended to keep these to a maximum of three (with some exceptions for cards that provide benefits that exceed the AF with minimum spend. Depending on your spend, you probably will want to keep your AF to two.

    Restaurant / Travel purchases: *Chase Sapphire Preferred (this is also assuming you carry Freedom as you will need Sapphire Preferred for converting Freedom points out to airlines)

    Rotating categories: Chase Freedom (using only for quarterly category, then stow card)

    All other purchases: *American Express Everyday Preferred (best card for everyday spend, close enough on the groceries and gas to warrant you using an AF here and not on AMEX blue cash preferred)

    Backup everyday spend for non AMEX retailers: *Barclays Arrival+ (gives 2% on everyday spend, plus 10% back on redemption)

    Backup everyday spend for non AMEX alternative: Citi Double Cash (alternative to Arrival for this situation, probably best for most people over Arrival)

    Other cards you should consider signing up for if you don’t mind the credit hit–

    Bank of America Better Balance Rewards: $100/yr for paying your CC bill on time. Especially nice if you have a BofA checking account as they throw in an extra $20/yr. I only pay for Netflix with this card, and have it set up to auto-pay my bill. Every quarter BofA puts $30 back on the card and my Netflix bill effectively is paid for by BofA. Might not be worth a credit hit for some, but you could convert any BofA credit card to this if you happen to have one already and won’t be using it in lieu of the above cards.

    Chase Hyatt: Annual fee, but waived first year and they give you 2 free nights at up to category 4 hotels each year. This alone pays for the annual fee, and they also give you automatic platinum in their Hyatt member program (2nd from top rank). Best part is the intro bonus, which gives you two free nights at any Hyatt location. You could use these for 2 nights in any of the Park Hyatt locations around the world even. In my case, I used these in NYC at the 5th Ave Andaz and then leveraged my Platinum level to work myself in to a corner terrace suite. Would have been $800 a night. Not bad for a single hard pull.

    Discover It: I personally think that if you combine it with Sapphire Preferred, Freedom is head and shoulders over the redemption value of Discover. But, you could always pick up this card if you just want to carry a Discover in your portfolio. They tend to have certain offers that require Discover card (like concerts and special deals at Six Flags). If you picked up the Citi Double Cash above and the Amex card, having the Discover in your portfolio means you should be able to cash in on any concert / event ticket offer available.

  • Frank

    I’d also add Citi Double Cash to this list since it earns 2% on everything like the Fidelity card, but it’s more widely accepted since it’s a MasterCard.

  • http://thestudentcreditcards.com sudarto

    I am happy using the Discover. We could get cash back for sign up and spending. I say like that because the requirement to apply this card is easy. We don’t need to have best credit score. We can apply with bad credit.

  • http://takeonepicture.blogspot.com/ Permai Lindal

    Happy with Bank of America cash reward card.

  • http://www.webmasterspride.com/ Webmasters Pride

    Citi Double Cash is the best around.

    • DonThayer

      Yeah, I’m a fan of Double Cash for the ongoing 2% cash back, though now the Discover it Miles card will net you 3% cash back for the first year.

      You can also use that reward calculator at CreditCardTuneUp. com to see which cards will pay you more for your spending.

  • http://www.webmasterspride.com/ Webmasters Pride

    Double Cash, how can you beat that.

  • Philip Shabanov

    The Fidelity 2% card is the way to go. I used to use 4 different cards and try to maximize rewards between each card in each category, but then when you cash out on rewards on a card you have to wait until you have 2000 points again to get cash back. Putting it all on the Fidelity has saved me time and simplified my life, and in the end I end up with equal or more rewards.

  • Scootss

    I have a 12 yr old amex green and 18 yr old chase visa. Rewards are terrible on both. I’m planning on switching to a citi double cash & amex blue everyday prefered (for gas & groceries). Should I keep the old cards for credit rating purposes? Am I safe getting rid of just the amex green?

    • DonThayer

      I’d suggest keeping the card(s) without an annual fee. Probably safe getting rid of the Amex green.

      You can also use the reward calculator at CreditCardTuneUp. com to see which cards will pay you more in reward value for your monthly expenses.