Best cash back card

[Chache]

Purely cash back on all purchases no miles or points just looking for cash back any ideas

[Rockysocks]

If you can get approved, the Visa Signature from AOD gives 3% back on everything.

[Anonymous]

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@Rockysocks wrote:

If you can get approved, the Visa Signature from AOD gives 3% back on everything.

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I would imagine this is going to be the number one response to the OPs question, as AOD is no doubt the ongoing FOTM card until something changes.

[Chache]

Thanks will look into it i have a penfed and navy fcu account also max i can find is 1.5% 

[Chache]

Also apr is not and issue as i pay the entire balance every month 

[Anonymous]

There are quite a few threads on the forum where 2%+ CB cards are discussed.  Citi DC and Paypal MC are probably 2 of the most common that would be "better" than the 1.5% you mentioned.

[Anonymous]

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@Chache wrote:

Also apr is not and issue as i pay the entire balance every month 

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That's a good thing, as paying interest on a CB card completely eats away those rewards quickly.

[Anonymous]

Funny, I was just discussing "end game" cards in my other thread.  Here's some additional info to add to this conversation:

@Aim_High 's table:

	Citi Double Cash	PayPal Mastercard	PenFed Power Cash
BONUS
Sign-up Bonus	None	None	$100 ($1500 Spend)
FEES
Annual fee	$0	$0	$0
Foreign transaction fee	3%	None	None
Balance Transfer Fee	Greater of $5 or 3%	*Unspecified	3% (no minimum)
Cash Advance Fee	Greater of $10 or 5%	Greater of $5 or 3%	None
Late Payment Fee	Up to $40	$29 or $40 Depending on recent 6 month payment history	$20 to $28 Depending on balance owed
Returned Payment Fee	Up to $40	*Unspecified	$25
REWARDS
Ongoing rewards	2% cash back on everything* *1% as buy; 1% as pay	2% cash back on everything.	2% cash back on everything.
Lose the 1% when you pay on Statement Credits (1% when pay)	Yes	No	No
Redemption options	Statement credit, direct deposit or check.	Redeem to PayPal account, or bank account or debit card linked to PayPal account.  (No direct statement credit.)	Statement credit, direct deposit to PenFed, or transfer to another Financial Institution.
Minimum redemption	$25	$0.01 cent	$0.01 cent
Minimum Notification Period of Rewards Program Changes	30 days	None - Synchrony can change at any time without notice	45 days
Rewards Expiration	12 months - if no cash back earned for purchases or payments	None specified – but program can be changed without notice and unclaimed rewards forfeited, even if account in good standing	Never as long as account in good standing.  If program is terminated, you have 90 days to redeem rewards.
APRs and Interest
Purchase APR	13.99% - 23.99%	19.99% - 26.99%	14.99% to 17.99%
Temporary BT APR	0% - 18 months	None	0% - 12 months
Regular BT APR	Same as Purchase APR	*Unspecified	17.99%
Cash Advance APR	25.24%	26.99%	17.99%
Penalty APR	29.99%	*Unspecified?	17.99%
Length of Penalty APR	Can be indefinitely	*Unspecified?	Until 3 on-time payments
Grace Period	Minimum 23 days	Minimum 23 days	Minimum 25 days
Minimum Interest Charge	$0.50 cents	$1.50	None

Personally, I use the PayPal Cashback Mastercard and love it for the 2%, no FTF, simplicity, and ease of acquiring.

The AOD FCU Visa Signature at 3% is the best at this moment in time, but it would take an effort to join their CU and there's no telling how long those rewards would last.

[longtimelurker]

I haven't been following the SoFi 2% card thread, but looks like that has semi-nerfed to 2% only if redeemed to SoFi?  (Fidelity was and/or is similar for smaller redemption amounts)

[coldfusion]

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@Anonymous wrote:

Funny, I was just discussing "end game" cards in my other thread.  Here's some additional info to add to this conversation:

@Aim_High 's table:

	Citi Double Cash	PayPal Mastercard	PenFed Power Cash
BONUS
Sign-up Bonus	None	None	$100 ($1500 Spend)
FEES
Annual fee	$0	$0	$0
Foreign transaction fee	3%	None	None
Balance Transfer Fee	Greater of $5 or 3%	*Unspecified	3% (no minimum)
Cash Advance Fee	Greater of $10 or 5%	Greater of $5 or 3%	None
Late Payment Fee	Up to $40	$29 or $40 Depending on recent 6 month payment history	$20 to $28 Depending on balance owed
Returned Payment Fee	Up to $40	*Unspecified	$25
REWARDS
Ongoing rewards	2% cash back on everything* *1% as buy; 1% as pay	2% cash back on everything.	2% cash back on everything.
Lose the 1% when you pay on Statement Credits (1% when pay)	Yes	No	No
Redemption options	Statement credit, direct deposit or check.	Redeem to PayPal account, or bank account or debit card linked to PayPal account.  (No direct statement credit.)	Statement credit, direct deposit to PenFed, or transfer to another Financial Institution.
Minimum redemption	$25	$0.01 cent	$0.01 cent
Minimum Notification Period of Rewards Program Changes	30 days	None - Synchrony can change at any time without notice	45 days
Rewards Expiration	12 months - if no cash back earned for purchases or payments	None specified – but program can be changed without notice and unclaimed rewards forfeited, even if account in good standing	Never as long as account in good standing.  If program is terminated, you have 90 days to redeem rewards.
APRs and Interest
Purchase APR	13.99% - 23.99%	19.99% - 26.99%	14.99% to 17.99%
Temporary BT APR	0% - 18 months	None	0% - 12 months
Regular BT APR	Same as Purchase APR	*Unspecified	17.99%
Cash Advance APR	25.24%	26.99%	17.99%
Penalty APR	29.99%	*Unspecified?	17.99%
Length of Penalty APR	Can be indefinitely	*Unspecified?	Until 3 on-time payments
Grace Period	Minimum 23 days	Minimum 23 days	Minimum 25 days
Minimum Interest Charge	$0.50 cents	$1.50	None

Personally, I use the PayPal Cashback Mastercard and love it for the 2%, no FTF, simplicity, and ease of acquiring.

The AOD FCU Visa Signature at 3% is the best at this moment in time, but it would take an effort to join their CU and there's no telling how long those rewards would last.

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Don't forget that Penfed requires you to meet a qualifying condition (active/ex-military or have a checking account) to get 2% CB and there are mininum requirements on the checking account ($500 daily average or $500/month DD) to itself be fee-free.