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>1% cash back cards

Senior Contributor

Re: >1% cash back cards

It is not that rare for a bank to allow two of the same card. though often it is done by either PC'ing a card, or due to bank mergers or a card that the bank is terminating thus requiring existing card holders to change their card to another card, etc.

 

Some people are successful in applying for a card they already have. For example Chase used to have 2 versions of the Freedom (VISA and MasterCard versions). Some people are successful in applying for the exact same Barclay card, usually for travel signup bonuses.

 

PC'ing a card is the most straightforward way. I was talking with a US Bank underwriter on the phone, and specifically asked if he knew of any reason why i couldn't have two cash+ cards, and he said other than the rewards would be separate, there was no such restriction. That probably cleared my way to getting both my cards PC'd over so quickly.





TU-8: 755 EX-8: 771 EQ-8: 763    EX-8 Bankcard: 815    
TU-9 Bankcard: 795 EQ-9: 822
   EX-98: 735 EQ-04: 730
Total $437,800
Message 11 of 53
Established Contributor

Re: >1% cash back cards

Add Discover to the list w/ it's rotating categories.

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Message 12 of 53
Established Contributor

Re: >1% cash back cards

Nvm...it was listed and I missed it.🙈

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Message 13 of 53
Established Contributor

Re: >1% cash back cards

Elan Financial Services (a division of U.S. Bank), which issues credit cards for a number of credit unions and under their own brand (Elan), has two rewards card options:

 

Elan Bonus Rewards Visa (No AF) is 1% back on everything, but they give you a 25% bonus on all points earned each month so essentially it's a 1.25% general spend card

 

&

 

Elan Bonus Rewards Plus Visa ($50 AF) is 1% back on everything, but with a 50% bonus on all points earned each month, which makes it a 1.5% general spend card.  This option is really not worth it when you have cards like Quicksilver, which gives you 1.5% back without an AF.  

 

 

Commenced gardening: March 23, 2017
Message 14 of 53
Super Contributor

Re: >1% cash back cards


Themanwhocan wrote:

It is not that rare for a bank to allow two of the same card. though often it is done by either PC'ing a card, or due to bank mergers or a card that the bank is terminating thus requiring existing card holders to change their card to another card, etc.

 

Some people are successful in applying for a card they already have. For example Chase used to have 2 versions of the Freedom (VISA and MasterCard versions). Some people are successful in applying for the exact same Barclay card, usually for travel signup bonuses.

 

PC'ing a card is the most straightforward way. I was talking with a US Bank underwriter on the phone, and specifically asked if he knew of any reason why i couldn't have two cash+ cards, and he said other than the rewards would be separate, there was no such restriction. That probably cleared my way to getting both my cards PC'd over so quickly.


And it was (and for some cards still is) very common for Citi.  You could hold multiple of their AA cards without PCing, just new apps.

Message 15 of 53
Frequent Contributor

Re: >1% cash back cards

BofA cash rewards 1,2,3%

Message 16 of 53
Super Contributor

Re: >1% cash back cards

PNC Cash Builder Visa 1.25%

 

 

Ron.

Message 17 of 53
Frequent Contributor

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?

 


Barclaycard Rewards - 2% Gas / Groceries (includes Walmart, Target, and Dollar Stores) 2% Utilities 

 

WF Home Projects Visa $8500 / Towpath CU Visa $7000 / Chase Freedom Visa $5500 / Cap 1 QS Visa Sig $5000 / Barclaycard Ring MC $5000 / GE Lowes $5000 / Citi Best Buy MC $4250 / Barclaycard Rewards Visa $4000 / BFG CU Visa $3500 / Citi Sears$3000 / WF Visa $2000 / GE Walmart $1900 / GE Care Credit $1900 / GE Amazon $1400 / Cap 1 Kohls $1000 / GE Old Navy $800 / Webbank Fingerhut $700
Message 18 of 53
Senior Contributor

Re: >1% cash back cards

I forgot to mention the Sallie Mae Upromise.com card, for 5% + 5% cash back on online shopping via their portal.





TU-8: 755 EX-8: 771 EQ-8: 763    EX-8 Bankcard: 815    
TU-9 Bankcard: 795 EQ-9: 822
   EX-98: 735 EQ-04: 730
Total $437,800
Message 19 of 53
Regular Contributor

Re: >1% cash back cards

Always hearing about this Sallie Mae Card, that much better than BCE?

I never noticed those are pretty high %'s back!

May go apply...

Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000 AMEX Everyday - $4,000 Sallie Mae - $2,500
New!! Citi Double Cash - 1K
Message 20 of 53