Best card for rewards AND balance transfer

[Anonymous]

What card do you recommend as best for cash back rewards AND a small balance transfer? FICO score is 721.
Thank you!

[Anonymous]

What types of rewards?

[Anonymous]

Amex EveryDay currently offers $0 balance transfer fee and 15 months intro 0% APR, it earns Membership Rewards for purchases.

Other than that, Citi/Discover/Chase also have cards with intro 0% but the rewards cards will come with at least 3% BT fee (Chase is 5%).

[Anonymous]

Cash back on gas, groceries, dining

[Anonymous]

Not sure about your actual information in your credit file, such as what accounts you already have and when opened, utilization, etc. Just a score almost doesn't mean anything.

Chase can be difficult because they usually want to see more than 1 year of credit history and the 5/24 issue, regardless of what the credit score is. US Bank is another story, they may also use minor consumer reporting agencies (ARS and SageStream) to reject your application.

[SouthJamaica]

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@Anonymouswrote:
What card do you recommend as best for cash back rewards AND a small balance transfer? FICO score is 721.
Thank you!

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I only do fee-free balance transfers.

The only card I know that combines that and cash back rewards is the Santander Ultimate Cash Back card, which offers 1.5% cash back on everything + fee-free balance transfer offers. However, once you get past the promo period, the interest rate is too high to make heavy use of the balance transfer feature.

[Meanmchine]

Amex EveryDay Card

[gdale6]

Hi there OP and welcome to the board

I have removed your dup post on this in the approvals forum, please refrain from posting multi threads on the same subject it can lead to confusion by the members and it isnt inline with our TOS. I thank you for you understanding on this.

[Anonymous]

Firsttech fcu has a 0% Apr & 0% balance transfer fee MasterCard the platinum version.

[SouthJamaica]

Generally speaking it's a bad idea to combine cash back and balance transfers, because most banks provide that you lose the grace period for purchases if you have a balance from the balance transfers.

IMHO, even a card which has both cash back and balance transfers should be used only for one or the other, and never for both at the same time.