Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 148
Registered: ‎02-25-2014
0

>1% cash back cards

I've been looking through old threads for good cash back cards. I know there are lots of threads about this already but I just wanted to make sure I wasn't missing any really good ones. I didn't include ones that have great sign up bonuses because I'm looking for cards that will be useful for a long time to come.

 

Quicksilver ~ 1.5%

Dividend/Discover/Freedom ~ 5% rotating categories, 1% everything else

Sallei Mai MC ~ 5% gas/groceries/books (amazon), 1% everything else

US Bank Cash+ ~ two chosen 5% categories, one chosen 2% category, 1% everything else

JCB Marukai ~ 1% first $1000, 2% next $2000, 3% everything over $3000 (residency requirements apply, 25$ annual fee)

Fidelity Amex ~ 2% deposited in Fidelity account

BCE ~ 3% groceries, 2% gas, 2% department stores

BCP ~ 6% groceries, 3% gas, 3% department stores ($75 annual fee)

 

Does anyone have any (or know of any) other cash back (not rewards) cards that they think are worth considering?

 

Senior Contributor
Posts: 4,698
Registered: ‎02-23-2011
0

Re: >1% cash back cards

[ Edited ]

If you're in CA or HI, the JCB Murakai using the Discover network is 3% cashback.

 

*Edited* - Sorry, didn't notice you alrady listed JCB.

Valued Contributor
Posts: 12,954
Registered: ‎08-13-2013
0

Re: >1% cash back cards


NikoD wrote:

I've been looking through old threads for good cash back cards. I know there are lots of threads about this already but I just wanted to make sure I wasn't missing any really good ones. I didn't include ones that have great sign up bonuses because I'm looking for cards that will be useful for a long time to come.

 

Quicksilver ~ 1.5%

Dividend/Discover/Freedom ~ 5% rotating categories, 1% everything else

Sallei Mai MC ~ 5% gas/groceries/books (amazon), 1% everything else

US Bank Cash+ ~ two chosen 5% categories, one chosen 2% category, 1% everything else

JCB Marukai ~ 1% first $1000, 2% next $2000, 3% everything over $3000 (residency requirements apply, 25$ annual fee)

Fidelity Amex ~ 2% deposited in Fidelity account

BCE ~ 3% groceries, 2% gas, 2% department stores

BCP ~ 6% groceries, 3% gas, 3% department stores ($75 annual fee)

 

Does anyone have any (or know of any) other cash back (not rewards) cards that they think are worth considering?

 


PenFed Cash Rewards 5% on gas

Old user name newportguy*** Current Score: myFico EQ - 830 (05/16/2015) Discover TU Fico - 832 (07/03/2015) EX Fico - 821 ( 05/01/2015 ) ******* Amex - BCP 10 K * Discover - IT 16.5 K * U.S. Bank Cash + Visa Signature 10.3 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 830 *** TU 832 *** EX 821 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Valued Contributor
Posts: 2,431
Registered: ‎04-04-2013
0

Re: >1% cash back cards

[ Edited ]

NikoD wrote:

I've been looking through old threads for good cash back cards. I know there are lots of threads about this already but I just wanted to make sure I wasn't missing any really good ones. I didn't include ones that have great sign up bonuses because I'm looking for cards that will be useful for a long time to come.

 

Quicksilver ~ 1.5%

Dividend/Discover/Freedom ~ 5% rotating categories, 1% everything else

Sallei Mai MC ~ 5% gas/groceries/books (amazon), 1% everything else

US Bank Cash+ ~ two chosen 5% categories, one chosen 2% category, 1% everything else

JCB Marukai ~ 1% first $1000, 2% next $2000, 3% everything over $3000 (residency requirements apply, 25$ annual fee)

Fidelity Amex ~ 2% deposited in Fidelity account

BCE ~ 3% groceries, 2% gas, 2% department stores

BCP ~ 6% groceries, 3% gas, 3% department stores ($75 annual fee)

 

Does anyone have any (or know of any) other cash back (not rewards) cards that they think are worth considering?

 


BCE is not worth considering as a cash back card. Its good for getting a large credit limit quickly, and it is an American Express. But, frankly, Sallie Mae is better for low grocery spend, and BCP is better for high grocery spend. Since high grocery spend usually equates to a family, if both parents obtained a Sallie mae, that would be ideal. And even if you Choose the BCP, the Sallie Mae is a better card for Gas Station purchases:

 

Sallie-BCP.png


Valued Contributor
Posts: 2,431
Registered: ‎04-04-2013
0

Re: >1% cash back cards


Open123 wrote:

If you're in CA or HI, the JCB Murakai using the Discover network is 3% cashback.

 

*Edited* - Sorry, didn't notice you alrady listed JCB.


JCB is a strange card, due to the various rules. This is how that breaks down:

 

JCB.png


Valued Contributor
Posts: 2,431
Registered: ‎04-04-2013
0

Re: >1% cash back cards


NikoD wrote:

I've been looking through old threads for good cash back cards. I know there are lots of threads about this already but I just wanted to make sure I wasn't missing any really good ones. I didn't include ones that have great sign up bonuses because I'm looking for cards that will be useful for a long time to come.

 

Quicksilver ~ 1.5%

Dividend/Discover/Freedom ~ 5% rotating categories, 1% everything else

Sallei Mai MC ~ 5% gas/groceries/books (amazon), 1% everything else

US Bank Cash+ ~ two chosen 5% categories, one chosen 2% category, 1% everything else

JCB Marukai ~ 1% first $1000, 2% next $2000, 3% everything over $3000 (residency requirements apply, 25$ annual fee)

Fidelity Amex ~ 2% deposited in Fidelity account

BCE ~ 3% groceries, 2% gas, 2% department stores

BCP ~ 6% groceries, 3% gas, 3% department stores ($75 annual fee)

 

Does anyone have any (or know of any) other cash back (not rewards) cards that they think are worth considering?

 


Huntington Voice card, for 3% cash back on a user selectable category. IF you are in their banking area.

Citizen Bank Green$ense card. IF you are in their banking area.

Bank of America Better Balance Rewards. great for a moderate, monthly bill. My $46 DSL bill would end up getting 18.1% cash back... More if you have other BOA accounts.

US Bank Cash+. On the list twice, because its possible to get two of those cards (see my signature).

Sallie Mae Upromise card. 5% + 5% online shopping (sometimes even more) through their portal using the Upromise.com card.

 

Wild cards: Santander Bravo, AARP, AAA Member Rewards

 

Business cards: Chase Ink cash, etc. American Express Simply Cash. Lowes Business Rewards card. American Express TrueEarnings Business card.


Regular Contributor
Posts: 148
Registered: ‎02-25-2014
0

Re: >1% cash back cards


Open123 wrote:

If you're in CA or HI, the JCB Murakai using the Discover network is 3% cashback.

 

*Edited* - Sorry, didn't notice you alrady listed JCB.


Though it says for CA residents, I did some digging and looked at the application. It says residents of Nevada, Oregon and Washington can apply for that one as well. The HI one is just for residents of HI though.

Regular Contributor
Posts: 148
Registered: ‎02-25-2014
0

Re: >1% cash back cards


Themanwhocan wrote:

NikoD wrote:

I've been looking through old threads for good cash back cards. I know there are lots of threads about this already but I just wanted to make sure I wasn't missing any really good ones. I didn't include ones that have great sign up bonuses because I'm looking for cards that will be useful for a long time to come.

 

Quicksilver ~ 1.5%

Dividend/Discover/Freedom ~ 5% rotating categories, 1% everything else

Sallei Mai MC ~ 5% gas/groceries/books (amazon), 1% everything else

US Bank Cash+ ~ two chosen 5% categories, one chosen 2% category, 1% everything else

JCB Marukai ~ 1% first $1000, 2% next $2000, 3% everything over $3000 (residency requirements apply, 25$ annual fee)

Fidelity Amex ~ 2% deposited in Fidelity account

BCE ~ 3% groceries, 2% gas, 2% department stores

BCP ~ 6% groceries, 3% gas, 3% department stores ($75 annual fee)

 

Does anyone have any (or know of any) other cash back (not rewards) cards that they think are worth considering?

 


Huntington Voice card, for 3% cash back on a user selectable category. IF you are in their banking area.

Citizen Bank Green$ense card. IF you are in their banking area.

Bank of America Better Balance Rewards. great for a moderate, monthly bill. My $46 DSL bill would end up getting 18.1% cash back... More if you have other BOA accounts.

US Bank Cash+. On the list twice, because its possible to get two of those cards (see my signature).

Sallie Mae Upromise card. 5% + 5% online shopping (sometimes even more) through their portal using the Upromise.com card.

 

Wild cards: Santander Bravo, AARP, AAA Member Rewards

 

Business cards: Chase Ink cash, etc. American Express Simply Cash. Lowes Business Rewards card. American Express TrueEarnings Business card.


So it's possible to get 2 in your name alone not just being added as AU?

Valued Contributor
Posts: 2,431
Registered: ‎04-04-2013
0

Re: >1% cash back cards


NikoD wrote:

Themanwhocan wrote:

NikoD wrote:

I've been looking through old threads for good cash back cards. I know there are lots of threads about this already but I just wanted to make sure I wasn't missing any really good ones. I didn't include ones that have great sign up bonuses because I'm looking for cards that will be useful for a long time to come.

 

Quicksilver ~ 1.5%

Dividend/Discover/Freedom ~ 5% rotating categories, 1% everything else

Sallei Mai MC ~ 5% gas/groceries/books (amazon), 1% everything else

US Bank Cash+ ~ two chosen 5% categories, one chosen 2% category, 1% everything else

JCB Marukai ~ 1% first $1000, 2% next $2000, 3% everything over $3000 (residency requirements apply, 25$ annual fee)

Fidelity Amex ~ 2% deposited in Fidelity account

BCE ~ 3% groceries, 2% gas, 2% department stores

BCP ~ 6% groceries, 3% gas, 3% department stores ($75 annual fee)

 

Does anyone have any (or know of any) other cash back (not rewards) cards that they think are worth considering?

 


Huntington Voice card, for 3% cash back on a user selectable category. IF you are in their banking area.

Citizen Bank Green$ense card. IF you are in their banking area.

Bank of America Better Balance Rewards. great for a moderate, monthly bill. My $46 DSL bill would end up getting 18.1% cash back... More if you have other BOA accounts.

US Bank Cash+. On the list twice, because its possible to get two of those cards (see my signature).

Sallie Mae Upromise card. 5% + 5% online shopping (sometimes even more) through their portal using the Upromise.com card.

 

Wild cards: Santander Bravo, AARP, AAA Member Rewards

 

Business cards: Chase Ink cash, etc. American Express Simply Cash. Lowes Business Rewards card. American Express TrueEarnings Business card.


So it's possible to get 2 in your name alone not just being added as AU?


That is correct. I PC'd both my cards (Platinum, Cash Rewards) to Cash+.


Regular Contributor
Posts: 148
Registered: ‎02-25-2014
0

Re: >1% cash back cards


Themanwhocan wrote:

NikoD wrote:

Themanwhocan wrote:

NikoD wrote:

I've been looking through old threads for good cash back cards. I know there are lots of threads about this already but I just wanted to make sure I wasn't missing any really good ones. I didn't include ones that have great sign up bonuses because I'm looking for cards that will be useful for a long time to come.

 

Quicksilver ~ 1.5%

Dividend/Discover/Freedom ~ 5% rotating categories, 1% everything else

Sallei Mai MC ~ 5% gas/groceries/books (amazon), 1% everything else

US Bank Cash+ ~ two chosen 5% categories, one chosen 2% category, 1% everything else

JCB Marukai ~ 1% first $1000, 2% next $2000, 3% everything over $3000 (residency requirements apply, 25$ annual fee)

Fidelity Amex ~ 2% deposited in Fidelity account

BCE ~ 3% groceries, 2% gas, 2% department stores

BCP ~ 6% groceries, 3% gas, 3% department stores ($75 annual fee)

 

Does anyone have any (or know of any) other cash back (not rewards) cards that they think are worth considering?

 


Huntington Voice card, for 3% cash back on a user selectable category. IF you are in their banking area.

Citizen Bank Green$ense card. IF you are in their banking area.

Bank of America Better Balance Rewards. great for a moderate, monthly bill. My $46 DSL bill would end up getting 18.1% cash back... More if you have other BOA accounts.

US Bank Cash+. On the list twice, because its possible to get two of those cards (see my signature).

Sallie Mae Upromise card. 5% + 5% online shopping (sometimes even more) through their portal using the Upromise.com card.

 

Wild cards: Santander Bravo, AARP, AAA Member Rewards

 

Business cards: Chase Ink cash, etc. American Express Simply Cash. Lowes Business Rewards card. American Express TrueEarnings Business card.


So it's possible to get 2 in your name alone not just being added as AU?


That is correct. I PC'd both my cards (Platinum, Cash Rewards) to Cash+.


I've never known anyone to have two of the same cards. Do you know if that's rare for a bank to allow two of the same cards? I was just wondering if this is something that other banks do also (though I have no interest in 2 of any other cards. I'm just curious since I've never seen it before.)

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.