Did anybody try Amex Checking account to see whether it would align to this topic (PP bill pay to pay for other credit cards and earn MR point)?
The Amex checking gives only 0.5 MR per 1$, but there is no cap.
I do prefer a cashback debit card with a large cap or no cap. While there is no large difference between 0.5% and 1%. If somebody redeems the MR points for travel, the value would get higher. The MR points can get pooled across multiple Amex cards (Plat, Gold, BBP, etc).
Fico8: EX~EQ~TU~840 (12 month goal~850).
Haven't tried them yet, waiting for a new account SUB, Axos, has a debit card that pays 1%. But the limit is capped at 2k per month reward, thus $200,000 in purchases. LOL
I have not seen SUB on Amex personal checking for more than 2 years (sometimes, they send targetted offers).
Bayport CU gives 3% CB on debit card purchases, requiring 15 debit card purchases per month and one ACH per month (no limit). It is geofenced in VA.
Does praying via Zoom work? If I find a church of the flying spaghetti monster there, I may attend 
@xenon3030 wrote:Bayport CU gives 3% CB on debit card purchases, requiring 15 debit card purchases per month and one ACH per month (no limit). It is geofenced in VA.
Does praying via Zoom work? If I find a church of the flying spaghetti monster there, I may attend
LOL!!! Too funny x3! I tried the whole zoom church attendance thing once (I think it was the Hawaii State FCU 2.5% card? (or was it the Merco CU 2.5% card?)) and I was told I need worship in person for it to count. Booo. lol
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This is the best one that I found, without geofence (6% CB on debit up to $200/month, 15+ debit per month, one ACH per month, no fee):
https://www.mtcfederal.com/cash-back-checking/
Since the CB cap is small, it might be a good match to CCC (5% CB up to $500/month). So, the total CB can reach to 11% !!!
No need to go to church any more
@xenon3030 wrote:Bayport CU gives 3% CB on debit card purchases, requiring 15 debit card purchases per month and one ACH per month (no limit). It is geofenced in VA.
Does praying via Zoom work? If I find a church of the flying spaghetti monster there, I may attend
Thank you for that info! I must have been touched by His noodly appendages as I am in VA
Here are some more. If some people have already the cards, let's see whether they work on PP bill pay (some info might need revisit, since I gathered across several websites):
2% CB:
- Greendot Cashback debit card: 2% (unlimited), $7.95 monthly fee waives by a $500/month ACH.
- Florence bank cashback checking: 2% (up to 10$ per transaction?), 12 debit transaction/month.
Unlimited 1% CB:
- FutureCard debit card: 1% (unlimited, up to 10% in some categories like EV charging).
- Serve Amex debit card: 1% (unlimited), $6.95 monthly fee waives by a $500/month ACH (up to $3.95 fee for each cash reload).
- Scarlet debit card: 1% (unlimited?, up to 5% at Walgreens), $5 monthly fee waives by a $500/month ACH or POS.
- US Eagle Cashback card (NM): Unlimited CB but could not find more details online.
