topic Re: >1% cash back cards in Credit Cards

>1% cash back cards

NikoD — Wed, 26 Mar 2014 23:42:28 GMT

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?

Re: >1% cash back cards

Open123 — Wed, 26 Mar 2014 23:52:06 GMT

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.

Re: >1% cash back cards

-Wade- — Wed, 26 Mar 2014 23:50:35 GMT

@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

Re: >1% cash back cards

Themanwhocan — Wed, 26 Mar 2014 23:52:57 GMT

@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:

Re: >1% cash back cards

Themanwhocan — Wed, 26 Mar 2014 23:54:44 GMT

@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:

Re: >1% cash back cards

Themanwhocan — Thu, 27 Mar 2014 00:07:12 GMT

@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.

Re: >1% cash back cards

NikoD — Thu, 27 Mar 2014 00:11:42 GMT

@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.

Re: >1% cash back cards

NikoD — Thu, 27 Mar 2014 00:29:18 GMT

@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?

Re: >1% cash back cards

Themanwhocan — Thu, 27 Mar 2014 00:31:47 GMT

@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+.

Re: >1% cash back cards

NikoD — Thu, 27 Mar 2014 00:42:07 GMT

@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.)

Re: >1% cash back cards

Themanwhocan — Thu, 27 Mar 2014 00:50:37 GMT

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.

Re: >1% cash back cards

Anonymous — Thu, 27 Mar 2014 01:21:38 GMT

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

Re: >1% cash back cards

Anonymous — Thu, 27 Mar 2014 01:22:39 GMT

Nvm...it was listed and I missed it.🙈

Re: >1% cash back cards

celluloid17 — Thu, 27 Mar 2014 01:35:22 GMT

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.

Re: >1% cash back cards

Anonymous — Thu, 27 Mar 2014 01:33:09 GMT

@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.

Re: >1% cash back cards

credit-hunter — Thu, 27 Mar 2014 02:24:52 GMT

BofA cash rewards 1,2,3%

Re: >1% cash back cards

Ron1 — Thu, 27 Mar 2014 02:30:39 GMT

PNC Cash Builder Visa 1.25%

Ron.

Re: >1% cash back cards

Anonymous — Thu, 27 Mar 2014 02:45:05 GMT

@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

Re: >1% cash back cards

Themanwhocan — Sat, 29 Mar 2014 04:17:23 GMT

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

Re: >1% cash back cards

angelcred10 — Sat, 29 Mar 2014 05:51:19 GMT

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

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

May go apply...