2% Unlimited Cash Back Options

[LooksAreDeceiving]

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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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What criteria are you using to make this determination?  I can't speak for Capital One, but I routinely access Wells Fargo, Citibank, and American Express via both websites and apps, and don't see a discernible difference in security, functionality, or ease-of-use between any of them.  Granted, I typically only perform mundane activities (viewing balances, initiating payments), so I was curious what your requirements were.

[CreditPacMan]

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@LooksAreDeceiving 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?

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What criteria are you using to make this determination?  I can't speak for Capital One, but I routinely access Wells Fargo, Citibank, and American Express via both websites and apps, and don't see a discernible difference in security, functionality, or ease-of-use between any of them.  Granted, I typically only perform mundane activities (viewing balances, initiating payments), so I was curious what your requirements were.

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@LooksAreDeceiving Many things, like ease of navigation within the application or website, ease of redeeming rewards and general user experience. On security, instant purchase notification (which I assume can be set through alerts) and fraud detection. 

I can't sepak for WF, but when I had the double cash with Citi I did not feel those points were the strongest things for it. 

[creditfan]

https://www.penfed.org/credit-cards/power-cash-rewards-visa

This may be a good choice. It needs to park $500 in checking though

[UncleB]

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@CreditPacMan wrote:

@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. 

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No issues with WF... they've actually been solid for me. 

I have the Propel which also has a $25 minimum for redemption, but it's easily bypassed by using their "redeem for purchases" option, which works similar to Capital One's purchase eraser.

[CreditPacMan]

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@creditfan wrote:

https://www.penfed.org/credit-cards/power-cash-rewards-visa

This may be a good choice. It needs to park $500 in checking though

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@creditfan Do I have to be a member first to apply for their credit card? 

[Trini88]

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@CreditPacMan wrote:

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@creditfan wrote:

https://www.penfed.org/credit-cards/power-cash-rewards-visa

This may be a good choice. It needs to park $500 in checking though

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@creditfan Do I have to be a member first to apply for their credit card? 

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If you want the full 2% then yes you need to have a membership and $500 in the checking account. 
I myself have been looking at this card since I already have a savings account with them and considering opening a checking to get the full 2%.

[coldfusion]

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@Trini88 wrote:

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@CreditPacMan wrote:

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@creditfan wrote:

https://www.penfed.org/credit-cards/power-cash-rewards-visa

This may be a good choice. It needs to park $500 in checking though

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@creditfan Do I have to be a member first to apply for their credit card? 

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If you want the full 2% then yes you need to have a membership and $500 in the checking account. 
I myself have been looking at this card since I already have a savings account with them and considering opening a checking to get the full 2%.

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The only actual requirement to get the 2% cashback is to either have a checking account or to be current or ex-military.   The $500 balance is one of the ways ($500/month direct deposit is the other) for non-military to get the monthly service fee for the checking account waived.

[notmyrealname23]

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@CreditPacMan wrote:

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@LooksAreDeceiving 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?

---

What criteria are you using to make this determination?  I can't speak for Capital One, but I routinely access Wells Fargo, Citibank, and American Express via both websites and apps, and don't see a discernible difference in security, functionality, or ease-of-use between any of them.  Granted, I typically only perform mundane activities (viewing balances, initiating payments), so I was curious what your requirements were.

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@LooksAreDeceiving Many things, like ease of navigation within the application or website, ease of redeeming rewards and general user experience. On security, instant purchase notification (which I assume can be set through alerts) and fraud detection. 

I can't sepak for WF, but when I had the double cash with Citi I did not feel those points were the strongest things for it. 

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SoFi's app toasts/alerts me when a purchase is made on my card. They offer a 2% CB card where the CB can go into your checking account (.25% interest), brokerage or crypto account (it's only 1% as statement credit). Money transfers in and out of SoFi checking pretty easy using ACH.

[NoMoreE46]

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@CreditPacMan wrote:

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@LooksAreDeceiving 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. 

---

What criteria are you using to make this determination?  I can't speak for Capital One, but I routinely access Wells Fargo, Citibank, and American Express via both websites and apps, and don't see a discernible difference in security, functionality, or ease-of-use between any of them.  Granted, I typically only perform mundane activities (viewing balances, initiating payments), so I was curious what your requirements were.

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@LooksAreDeceiving Many things, like ease of navigation within the application or website, ease of redeeming rewards and general user experience. On security, instant purchase notification (which I assume can be set through alerts) and fraud detection. 

I can't sepak for WF, but when I had the double cash with Citi I did not feel those points were the strongest things for it. 

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I have no experience with Citi but I will say Cap One's app and user interface  and user experience is extremely friendly and easy to accomplish what ever.

WF is not as intuitive and I often end up somewhere that I don't want to be.  I have great confidence with Wells Fargo on the operaions side.  IMO,  though WF really needs to revamp everything with respect to its customer facing platforms.

[UncleB]

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@NoMoreE46 wrote:

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WF is not as intuitive and I often end up somewhere that I don't want to be.  I have great confidence with Wells Fargo on the operaions side.  IMO,  though WF really needs to revamp everything with respect to its customer facing platforms.

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This is very true. 

Once you get the hang of things it's not a big deal, but their layout really isn't intuitive.  For example, there's a separate rewards "account" where you go to manage and redeem rewards, yet the 'Redeem for Purchases' option is inexplicably on the card account, not the rewards account (and even then it's hard to find, expecially on the app).

It's not a big deal once you know where to find things but I agree a redesign is sorely needed.