Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Cash Back Cards

There are cards combined that eat the us bank. However the us bank card is nice if you only want a one man army card. No caps is nice but if freedom is offering 5% on gas for the quarter its simply a better route to take if you don't plan on spending more than 1500 in gas.

There is also the penfed card that offers 5% on gas with no caps

Amex BCP offers 6% on groceries.
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Valued Member
Posts: 36
Registered: ‎04-13-2011
0

Re: Cash Back Cards

My personal favorites:

 

Amex BCP - 6% groceries more than covers the AF

Freedom  - great for rotating categories, esp restaurants

Amex Costco True Earnings - 3% at Costco gas and 2% restaurants

Pen Fed Cash - for 5% gas when not near Costco

(I may consider a Chase Sapphire Pref after all the great things I have learned about the card here)

 

You really need to look at where you spend your hard earned $$$, and then you will figure out which are right for you.  And be careful when adding them to your wallet - most have sign on bonuses that are awesome but require varying degrees of spend ( and you don't want to over spend just to get a bonus)

 


Starting Score: TU698 EQ691
Current Score: TU800 EQ816
Goal Score: achieved


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Cash Back Cards

Can someone explain the freedom/dividend/discover (which discover?) To me? Is it better than freedom/CSP/checking combo?
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Established Contributor
Posts: 792
Registered: ‎08-30-2011
0

Re: Cash Back Cards


rootpooty wrote:
There are cards combined that eat the us bank. However the us bank card is nice if you only want a one man army card. No caps is nice but if freedom is offering 5% on gas for the quarter its simply a better route to take if you don't plan on spending more than 1500 in gas.

There is also the penfed card that offers 5% on gas with no caps

Amex BCP offers 6% on groceries.

Exactly but if you could have only one?  With the $25 gift card and a checking account, the 5% categories are really closer to 7%.  I agree though that the Freedom and BCP are necessary to maximize your cashback.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Highlighted
Regular Contributor
Posts: 108
Registered: ‎01-04-2008
0

Re: Cash Back Cards


rootpooty wrote:
Can someone explain the freedom/dividend/discover (which discover?) To me? Is it better than freedom/CSP/checking combo?

Freedom/Dividend/Discover More/IT all have rotating 5% categories.  So when you have all three, you have more ways to get 5% rewards.

 

Freedom/CSP is the combo used by frequent flyers so they can transfer Freedom 5% UR points to the CSP, and then do what they please from there.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.