BEST CASH BACK ANNUAL FREE CARDS ?

[Anonymous]

DISCOVER IT  - 5% rotating catergoris, 1% everything 

no foreign fee

CHASE FREEDOM - 5% rotating catergories, 1% everything (10% bonus w/ chase bank account)

3% foreign fee

US BANK CASH+ - 5% choosen catergory of choice, 2% Choosen catergory of choice, 1% everything. 

3% foreign fee

CAPITOLONE QUICKSILVER - 1.5% everything  

no foreign fee

CITI DOUBLE CASH - 2% everything, (1% when you buy, 1% when you pay) 3% foreign fee

 3% foreign fee

FIDELITY REWARDS - 2% everything (fidelity account required)

3% foreign fee

AMERICAN EXPRESS BLUE CASH EVERYDAY - 3% groceries, 2% gas, 1% everything 

2.7% foreign fee

BANK AMERICA CASH REWARDS  - 2% groceries, 3% gas, 1% everything (10% bonus w/ bank account)

3% foreign fee

SALLIE MAE REWARDS (BARCLAY) - 5% groceries, 5% gas, 5% books, 1% everything

3% foreign fee

CHASE AARP - 3% gas, 3% restaurant, 1% everything

3% foreign fee

BEST GAS 

AMEX Costco Business     4% gas, 2% restaurant, --------------------$7,000 max

Sams Club MasterCard   5% gas, 3% restaurant, ------------------ $5,000 max

American Express Costco 3% gas, 2% restaurant, --------------------$4,000 max 

Chase AARP                     3% gas, 3% restaurant, --------------------UNLIMITED

Bank Amerca Cash           3% gas, 0% restaurant, --------------------$1,500 max

US Bank Cash+                2% gas, 5% restaurant, -------------------$2,000 max

are points equivalent to cash ?

PAYPAL EXTRAS MASTERCARD - 3x dinning, 3x gas, 1x everything

3% foreign fee

CHASE SAPPHIRE - 2x dinning, 1x everything

3% foreign fee (Sapphire Preferred no foreign fee for $95 a year annual fee)

AMERICAN EXPRESS EVERYDAY - 2x groceries, 1x everything, + 0.20% bonus

3% foreign fee (Everyday Preferred 3% foreign fee for $95 a year annual fee)

CITI THANK YOU PREFERRED - 2x dinning, 2x entertaonment, 1x everything

3% foreign fee

BARCLAY REWARDS -  2x groceries, 2x gas, 2x ultilies, 1x everything

3% foreign fee

[Creditaddict]

Id Choose Fidelity Amex for the Amex 2% all and now Citi Double Cash for the MC when Amex isn't taken.

[longtimelurker]

---

@Anonymous wrote:

DISCOVER IT  - 5% rotating catergoris, 1% everything

CHASE FREEDOM - 5% rotating catergories, 1% everything (10% bonus w/ chase bank account)

US BANK CASH+ - 5% choosen catergory of choice, 2% Choosen catergory of choice, 1% everything. 

CAPITOLONE QUICKSILVER - 1.5% everything

CITI DOUBLE CASH - 2% everything, (1% when you buy, 1% when you pay)

AMERICAN EXPRESS BLUE CASH - 3% groceries, 2% gas, 1% everything 

AMERICAN EXPRESS BLUE CASH PREFERRED ($75 ANNUAL FEE) 6% groceries, 3% gas, 1% everything

BANK AMERICA CASH REWARDS - 2% groceries, 3% gas, 1% everything 

WINNER ?

RUNNER UP ? 

---

The card you list as American Express Blue Cash is the Blue Cash Everyday.

The American Express Blue Cash (which is the winner in cashback for big spends) is 5% on groceries, gas and drug stores, uncapped, after $6,500 spend each year.

[fot1]

Add a Sallie Mae card.. near the top in my book.. % 5 gas& groceries ( $250 limit a month) and %5 Amazon ( $750 a  month)

[longtimelurker]

And the Chase Freedom bonus for checking is going away very soon (next month?)

[Creditaddict]

---

@longtimelurker wrote:

---

@Anonymous wrote:

DISCOVER IT  - 5% rotating catergoris, 1% everything

CHASE FREEDOM - 5% rotating catergories, 1% everything (10% bonus w/ chase bank account)

US BANK CASH+ - 5% choosen catergory of choice, 2% Choosen catergory of choice, 1% everything. 

CAPITOLONE QUICKSILVER - 1.5% everything

CITI DOUBLE CASH - 2% everything, (1% when you buy, 1% when you pay)

AMERICAN EXPRESS BLUE CASH - 3% groceries, 2% gas, 1% everything 

AMERICAN EXPRESS BLUE CASH PREFERRED ($75 ANNUAL FEE) 6% groceries, 3% gas, 1% everything

BANK AMERICA CASH REWARDS - 2% groceries, 3% gas, 1% everything 

WINNER ?

RUNNER UP ? 

---

The card you list as American Express Blue Cash is the Blue Cash Everyday.

The American Express Blue Cash (which is the winner in cashback for big spends) is 5% on groceries, gas and drug stores, uncapped, after $6,500 spend each year.

---

errr: 6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%)3% Cash Back at US gas stations and 3% cash back at select US department stores1% Cash Back on other purchasesTerms and limitations apply.‡Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

[longtimelurker]

---

@Creditaddict wrote:

---

@longtimelurker wrote:

---

@Anonymous wrote:

DISCOVER IT  - 5% rotating catergoris, 1% everything

CHASE FREEDOM - 5% rotating catergories, 1% everything (10% bonus w/ chase bank account)

US BANK CASH+ - 5% choosen catergory of choice, 2% Choosen catergory of choice, 1% everything. 

CAPITOLONE QUICKSILVER - 1.5% everything

CITI DOUBLE CASH - 2% everything, (1% when you buy, 1% when you pay)

AMERICAN EXPRESS BLUE CASH - 3% groceries, 2% gas, 1% everything 

AMERICAN EXPRESS BLUE CASH PREFERRED ($75 ANNUAL FEE) 6% groceries, 3% gas, 1% everything

BANK AMERICA CASH REWARDS - 2% groceries, 3% gas, 1% everything 

WINNER ?

RUNNER UP ? 

---

The card you list as American Express Blue Cash is the Blue Cash Everyday.

The American Express Blue Cash (which is the winner in cashback for big spends) is 5% on groceries, gas and drug stores, uncapped, after $6,500 spend each year.

---

errr: 6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%)3% Cash Back at US gas stations and 3% cash back at select US department stores1% Cash Back on other purchasesTerms and limitations apply.‡Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

---

That is the Blue Cash Preferred.  The Blue Cash is as I say!

[yfan]

---

@Anonymous wrote:

DISCOVER IT  - 5% rotating catergoris, 1% everything

CHASE FREEDOM - 5% rotating catergories, 1% everything (10% bonus w/ chase bank account)

US BANK CASH+ - 5% choosen catergory of choice, 2% Choosen catergory of choice, 1% everything. 

CAPITOLONE QUICKSILVER - 1.5% everything

CITI DOUBLE CASH - 2% everything, (1% when you buy, 1% when you pay)

AMERICAN EXPRESS BLUE CASH - 3% groceries, 2% gas, 1% everything 

AMERICAN EXPRESS BLUE CASH PREFERRED ($75 ANNUAL FEE) 6% groceries, 3% gas, 1% everything

BANK AMERICA CASH REWARDS - 2% groceries, 3% gas, 1% everything 

WINNER ?

RUNNER UP ? 

---

For me, Discover is the clear winner. Not just because of their categories, but because of the rather impressive selection of retailers offering 5-25% cashback on ShopDiscover. Discover also has a bonus on their cashback, if you use their partner gift cards, and there are some pretty good ones, which can give you between 10 and 50 percent off the face value. Pretty nice perk. And I love their Price Protection feature.

The other favorite cashback card of mine that didn't make it to your list is the Costco Amex True Earnings card. 3% back on gas INCLUDING Costco gas (killer feature right there if you drive), 2% on restaurants and travel, and 1% on everything else. No annual fee with a Costco membership.

And technically, the Orbitz Rewards VISA has 2% back on everything outside of Orbitz - though it can only be redeemed as Orbucks.

[DigitalArk]

I agree that Costco TE is a good one, so are many others out there. Sam's MC is another one that did not make it to OP's list.

[Themanwhocan]

DISCOVER IT - 5% rotating catergories, 1% everything TU FICO. Good online mall.

Sallie Mae Upromise.com card. Good online mall. TU FICO.

CHASE FREEDOM - 5% rotating catergories, 1% everything (10% bonus w/ chase bank account) Categories (gas, restaurant) covered by non-rotating cards.

US BANK CASH+ - 5% choosen category of choice, 2% Choosen category of choice, 1% everything. Multiple cards possible. $25 bonus possible 1/year.

Huntington Voice. 3% selectable category. Multiple cards possible.

CAPITALONE QUICKSILVER - 1.5% everything

JCB Marukai. 3% everything. ~$25 annual fee. Low credit limits. May require divine intervention to obtain...

CITI DOUBLE CASH - 2% everything, (1% when you buy, 1% when you pay)

Fidelity American Express. 2% everything. Higher redemption threshold than Double Cash. Amex not accepted everywhere?

AMERICAN EXPRESS BLUE CASH EVERYDAY - 3% groceries, 2% gas, 1% everything

AMERICAN EXPRESS BLUE CASH PREFERRED ($75 ANNUAL FEE) 6% groceries, 3% gas, 1% everything Annual fee, spending cap. Less than 5% cash back.

BANK AMERICA CASH REWARDS - 2% groceries, 3% gas, 1% everything

Sallie Mae Mastercard. 5% Gas, Grocery, Book Store/Amazon. Multiple cards possible. TU FICO.

Bank of America Better Balance Rewards. $25 every 3 months. Multiple cards possible. Must let card report balance each month.

Target credit card. 5% discount. TD Bank credit limits.

Chase AARP card. 3% Gas, 3% Restaurant. No caps.

Chase AARP card. 3% Travel. No caps.

WINNER ? Tie: US Bank Cash+: greater than 5% cash back. Sallie Mae MasterCard: Extremely useful set of 5% categories.

RUNNER UP ? Bank of America Better Balance Rewards: Money for nothing. Just not a lot of money...