Established Contributor
Posts: 734
Registered: ‎02-01-2012

What's your top earning rewards card?

Well, I am two days away from the one year anniversary of my top-usage/top earning rewards card...The Spark. Counting some bonuses earned through Perk Central, I have made almost $2800 in cash back. Is that the top earning PERCENTAGE on spending? No. That award would go to either the Chase Ink or US Bank Cash + since I mainly use those cards for 5% categories. Of those two, the US Bank Cash + comes in a close second in total cash back so far with about $2200-2300. Of course, I got that card in July '12 so it hasn't been a year yet but I doubt I'll match the Spark over the next 30-40 days til my anniversay date since they dropped my beloved Bill Pay from the 5% categories. Had Bill Pay stayed on, I would have gone over $3000 by the one year mark. Oh well. 


But I'll tell ya, for coming so close to the Spark, it didn't take the Cash + anywhere near as much spending to accomplish that total. What a card that was during it's inaugural phase! Thanks US Bank! But all good things must eventually come to an end. 


So, Spark wins it. And will probably continue to going forward barring some new card offer to dethrone it. US Bank has already faded and will continue to.

Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
Frequent Contributor
Posts: 421
Registered: ‎12-07-2012

Re: What's your top earning rewards card?

My top earning is my PenFed card, I've earned $59 in rewards since the beginning of the year.

Amex BCE $6,000 | BofA Power Rewards WMC $10,000 | Chase Freedom VS $10,000 | Chase Marriott Premier VS $5,000 | DCU $1,000 | Discover It $1,900 | Elan VS $9,000 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $5,000 | SallieMae Rewards $8,000
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012

Re: What's your top earning rewards card?

My United Club is my workhorse card. Last year I earned about 120k UA miles just from spending, and at a value of 2 cpm that equates to $2400.
FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL

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