2% Unlimited Cash Back Options

[CreditPacMan]

I'm looking to replace my QuickSilver with a 2% flat cash back on everyday purchases. I did some research and found the most promising card out there with a 2% cash back are the:

Wells Fargo Active Cash  AND the Citi Custom Cash

What are your experiences with these cards? The only thing that is keeping my away from these cards is that I don't feel the technology of Wells Fargo and Citi are up to the same level of say AMEX or Capital One. Their apps are bad and the websites are even worse. 

Do the rewards at least make up for that?

[TheFIGuy]

https://ficoforums.myfico.com/t5/Credit-Cards/2-3-Cashback-CB-Credit-Card-CC-List/td-p/6197473

[CreditPacMan]

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@TheFIGuy wrote:

https://ficoforums.myfico.com/t5/Credit-Cards/2-3-Cashback-CB-Credit-Card-CC-List/td-p/6197473

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@TheFIGuy Thanks, do you have experience using the two I mentioned in my post?

[UncleB]

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@CreditPacMan wrote:

I'm looking to replace my QuickSilver with a 2% flat cash back on everyday purchases. I did some research and found the most promising card out there with a 2% cash back are the:

Wells Fargo Active Cash  AND the Citi Custom Cash

What are your experiences with these cards? The only thing that is keeping my away from these cards is that I don't feel the technology of Wells Fargo and Citi are up to the same level of say AMEX or Capital One. Their apps are bad and the websites are even worse. 

Do the rewards at least make up for that?

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Just a note that if you're wanting a flat-2% card the Citi card you'll want to consider is the Double Cash, not the Custom Cash.  The Custom Cash is a great option for many, but it's not a flat-2% rewards card.

Back to your question... I have cards with both WF and Citi (actually the Double Cash) and I find them both to be acceptable.  My gripe with the Double Cash is the rewards payout requires a $25 minimum in most cases (the TYP loophole is beyond the scope of this thread), but otherwise it's fine. 

[CreditPacMan]

@UncleB Right, thanks for catching that. I had the Double Cash before and closed it. I did not like the fact that you get 1% at purchase time, and another 1% when you pay it. 

The Active Cash also has a minimum $25 threshold to redeem but otherwise it seems like it's good. Any problem with WF to be aware of? I don't bank with them but had a pretty bad experience dealing with them for my auto loan in 2011. 

[Anonymous]

As shown in the link above, there are lots of options, and you will find diverse opinions as to which is best.

But in general, a 1.5% card has to have LOTS of advantages to justify keeping it over a 2% card, which is 33% more rewards!  (Some cite that the actual $ difference is often small, but to my mind that misses the point.  If it's worth getting 1.5% rewards it's even more worth getting 2%)

In the case of QuickSilver, it has some good features:

1) No FTF

2) No min redemption

3) Rewards post with the transaction rather than at statement close (this is still unusual)

If FTF is important, the 2% possibilities are much narrower, and Double Cash and I think  the Wells card don't work for this.

[MrDisco99]

Citi DoubleCash has no minimum redemption if you transfer the cash to ThankYou points first.  You can then redeem for cash back at any amount.

[Wavester64]

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@UncleB wrote:

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@CreditPacMan wrote:

I'm looking to replace my QuickSilver with a 2% flat cash back on everyday purchases. I did some research and found the most promising card out there with a 2% cash back are the:

Wells Fargo Active Cash  AND the Citi Custom Cash

What are your experiences with these cards? The only thing that is keeping my away from these cards is that I don't feel the technology of Wells Fargo and Citi are up to the same level of say AMEX or Capital One. Their apps are bad and the websites are even worse. 

Do the rewards at least make up for that?

---

Just a note that if you're wanting a flat-2% card the Citi card you'll want to consider is the Double Cash, not the Custom Cash.  The Custom Cash is a great option for many, but it's not a flat-2% rewards card.

Back to your question... I have cards with both WF and Citi (actually the Double Cash) and I find them both to be acceptable.  My gripe with the Double Cash is the rewards payout requires a $25 minimum in most cases (the TYP loophole is beyond the scope of this thread), but otherwise it's fine. 

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OP, I agree with @UncleB here. You also might want to consider the Sofi MC, 2% on all purchases, no limit.

[ChargedUp]

Is there any reason you're not considering AOD Visa for 3%? Sure it's not the easiest thing to app for, but it's easy street once you have it in your hands!

The Double Cash has the annoying 1+1 issue. The Active Cash is still a very new product,  so I haven't seen much in dp's for it. 

FNBOs Evergreen seems to be a popular option around here as well for 2%

[Mr_Mojo_Risin]

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@ChargedUp wrote:

Is there any reason you're not considering AOD Visa for 3%? Sure it's not the easiest thing to app for, but it's easy street once you have it in your hands!

The Double Cash has the annoying 1+1 issue. The Active Cash is still a very new product,  so I haven't seen much in dp's for it. 

FNBOs Evergreen seems to be a popular option around here as well for 2%

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This is exactly what I was going to mention.

OP, you have to put some work in for the AOD card, but it certainly pays off.

FNBO has been really generous with their 2% card for the past 6 months or so. Check out their prequal, it's not guaranteed but what is lol?