Insurance coverage, travel benefits and credit facilities are not my priorities. You’ll also find that the Citi Double Cash doesn’t come with many perks, such as travel or purchase protections. Each month I evaluate the current offers — in fact it’s updated on a more than monthly basis. In other words, you can earn up to 21% cash back by shopping in the mall… not a bad benefit, indeed, if you prefer shopping with your money rather than tucking away your rewards into a savings account. Plus, the required credit score was pretty low for the decent rewards. I’m not sure when they changed the terms but its a shame as it really is a great cashback card for a family. This amazing flexibility is why CNN Underscored’s partner The Points Guy values Ultimate Rewards points at 2 cents apiece. Dosh cash back app review, http://www.capitalone.com/credit-cards/quicksilver-cash-rewards/, https://www.penfed.org/Defender-Cash-Rewards/?intcid=ad-defender-veterans-home-mainAd-01012013, https://www.householdbank.com/ecare/cards?docId=Cards_Tab_data_cards_hb_sp5_xml&WT.svl=400, https://creditcards.chase.com/credit-cards/chase-freedom.aspx, 6% cash back at U.S. supermarkets, up to $6,000 per year in purchases, 6% cash back on select U.S. streaming services (like Netflix, Hulu and others), 3% cash back at U.S. supermarkets, on up to $6,000 per year in purchases, 2% cash back at select U.S. department stores. 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. And guess who is largest bookstore? So you get 5 pts for every amazon purchase. Be aware not all purchases qualify and it is impossible to get a list of locations that charges will not qualify as a valid purchase for the earnings. You get 5 points for every purchase on books, movies, music, and restaurants. The older Blue Cash cards had a $6,500 threshold before the higher percentages kicked in but thereafter were unlimited. Lastly, I cannot wait to save 5% on gas ALL the time. The Blue Cash Preferred also normally comes with a $95 annual fee, which is significantly higher than many other credit cards offering cash back. Where it beats our benchmark card: No foreign transaction fees or introductory interest on purchases, and the cash back match in the first year equals the earning rate of the Citi Double Cash for everyday purchases and significantly beats it in the bonus categories. ð OH! They are not a high risk lender and therefore do not have the delinquency and bad loans that other less conservative lenders do. I can’t find the HSBC card you’re referring to. 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. Unlimited Rewards. If you travel a lot throughout the year and are looking for a card that offers you travel credits, lounge access, complimentary Global Entry or TSA PreCheck and travel protections, you might want to instead consider another travel rewards card, such as the Bank of America®️ Premium Rewards®️ credit card — although it carries a $95 annual fee. CNN Underscored is your guide to the everyday products and services that help you live a smarter, simpler and more fulfilling life. Consumer advocate Clark Howard recommends the other Fidelity card for 2% on all spending here: The Fidelity Visa is a great card, if you have a Fidelity account. There’s no maximum on the cash back you can earn, and you don’t need to worry about tracking category bonuses. http://www.usbank.com/splash/credit-cards/cashplus/94154.html?redirect=facebookcash, More info: http://www.usbank.com/cashplus. Why it’s great in one sentence: The Blue Cash Preferred Card from American Express earns 6% cash back at US supermarkets (up to $6,000 per year in purchases, then 1%), making it one of the best credit cards year after year for buying groceries. I buy a lot of stuff from amazon and it offers no limit 1% on all purchases and 2% on gas, dining, office supply and drugstore purchases, also with no limit nor threshold. The Capital One Savor Rewards Credit Card is one of the most potent cash-back credit cards on the market for folks who live going out and cooking in. But Citi’s travel partners aren’t as impressive as Chase’s, and while the Double Cash doesn’t have any bonus categories, the Freedom Unlimited has the same trio of bonus categories as the Chase Freedom Flex (though you won’t receive cell phone protection with the Chase Freedom Unlimited). 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. 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 don’t see Capital One Cash Rewards. It’s the AMEX Blue Cash card which they stopped offering in May/June of 2011. You omitted the CAPITAL ONE cash rewards card. Hopefully an offer like that will come up again. 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!!! You do not have to have $50 to get the cash back. The offers we present on Consumerism Commentary aren’t necessarily open to “the public” (that is, they are unadvertised except for on Consumerism Commentary and possibly a small number of other websites). The information provided here is current. All eligible dining and entertainment … I did get my Chase Freedom today, is it advisable to apply another card immediately, or it might hurt my credit real bad. Amex was good, not so much any more. 0% interest on all purchases for the first 12 billing cycles (13.99% to 23.99% variable afterward). It offers great online savings AND you can sign up for a free account with Upromise, link it to Sallie Mae Savings and…poof. The Chase Freedom Flex earns 5% on travel booked through Chase Ultimate Rewards, 3% at drugstores and 3% at restaurants. Used to be 2% after that plateau. Then you apply for the card and link it to the account. I have used it exclusively to get consistent 2% back every month for the last year. 1% cash back means you can cash in $1 for every qualifying $100 you spend. When you make a purchase, we receive revenue. A bit off subject, but does anyone know if/where I can get a current code for the $100 cash bonus for opeing a Chase checking account (not the one with the dd attached)? HSBC has a credit card that pays 2% flat rate, no restrictions or annual fee. The Best Cash Back Credit Cards in 2020 . It additionally pays you an extra $25 when you redeem in increments of $100 or more at a time. â¢No Annual Fee**. Plus, if you’re looking to make a large purchase, you can get an introductory 0% APR on purchases for 15 months. It requires $2500 to sign up for a new fidelity account. Which cards would be best “longterm” once the signing bonuses have been used? 4 Types of Retirement: Which Will You Choose? http://www.sonyrewards.com/en/home/base/ Chase Freedom MC – I utilize the 5% on the revolving promotions up to $1500. 2% on everything, no limit and no annual fee. 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. I make a habit of saving some major purchases for July when my card cycle resets, thus I hit the $6,500 in two billing cycles. 5% cash back on two categories that you choose 2% cash back on gas, groceries or drug stores â choose one 1% cash back on everything else $25 bonus each time you redeem $100 or more cash back in a single redemption. My original card with them always paid 5% back on gas, groceries and drugstores. Visit my blog for mostly non-credit-card related rants, except one about Discover Card in 2008 about their lame process of lowering your credit card rates when you ask. Citi® Double Cash Card – 18 month BT offer. Where I go, hardly anyplace takes American Express. They seem to me to have the best cash back program as they have no tier and the give the maximum or 8% on selected quarterly promotions 1% + 2% + 5% = 8%. Why did we select these cards as our best cash back credit cards for 2020? I am currently have Pentagon Federal Credit Union card, and just got a notice yesterday. I’m sorry you didnt have a very good experience. Why it’s our benchmark card: The ease of use and straightforward top-of-market cash back earning rate of the Citi Double Cash are why CNN Underscored currently uses the Double Cash as our “benchmark” credit card to compare the features of other credit cards and determine if they’re better or worse overall. (I think) the costco amex only gives you 1%. Also they charge vendors the highest fee,s for any credit cards. (restaurants/electronics stores or restaurants/cell phone let’s say) Then Fidelity AMEX for 2% off everything else. Learn more about the Blue Cash Preferred Card from American Express. Chase Freedom: I’ll have to investigate if your description of the Chase online mall is accurate. Good bank, too. That’s an unbelievable sign-up bonus for a card that has no annual fee. It worked. This equals 1 1/2% of all purchases. But even while Costco has a favorable return policy for most of its products, electronics and major appliances only have a 90-day return window, which makes the benefits of this credit card extra useful. 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. Update: PenFed is offering 2% cashback on supermarkets only until Feb 28, 2011. 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 spend $2500, I get 5000 points which equates to $50 (2% of my purchases) deposited into my Fidelity account. In my book, the FIA card could be easily propelled up on this card list. However, I have recently applied for the Fidelity AMEX as well, and since the card uses the WorldPoints program, you can play it similarly to the Freedom card, in that if you wait until you hit 25,000 points, you CAN redeem for a 1:1 cash check for a full $250. I’m interested if the #$&*! Thanks for the feedback! Blue Cash Preferred Card from American Express, Blue Cash Everyday® Card from American Express, Blue Cash Preferred Card by American Express. I think she was referring to the promotion % for the first 6 months. What we like about the Blue Cash Preferred: For many Americans, a significant portion of the monthly family budget goes to supermarket and gas station expenses. 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