Cash Rewards Replacement Card

[Anonymous]

Hey all... new around here.  Trying to weed through lots of info, blogger posts, aged info, etc.

The bottom line is that I am looking for the best all around cash back card in a single card use situation.

The more detailed stuff...

So I had an old Discover More card that I used from 2001 to 2018... was never really in love with rotating 5% categories, but it was ok.  When they dropped the extended warranty and other benefits, I looked elsewhere and wound up with a Citi Double Cash card.  I've been happy enough with it, but they've dropped extended warranty and an array of other benefits now too (effective September).

Maybe those types of benefits are dying off.  I've never actually used it... but appreciate the peace of mind.

My wife and I have great credit, FICO scores never below the 830 mark and plenty of credit history.  When considering rewards, I sort of need to operate under the mindset of it being the only card that will be used.  I can sort of target cards a little if needed, but my wife is just going to use one for everything.

We spend about 40,000 on our primary card annually... Breakout from 2018 w/ Citi:

44% merchandise (probably 60/40 online/in store)

16% restaurants

12% gas

4% entertainment

3% travel

The balance being lots of other random categories like vehicle services, health care, etc.

I am sure there've been a number of other posts along these lines, but I appreciate any informed opinions on what the best card might be.

Have been looking at the Uber Visa card a bit... I never use Uber but I guess I can install the app, hah...

Thanks in advance.

[AverageJoesCredit]

Great data points im sure you will get great recommendations though of course every opinion will vary so only what matters to you is important. Ill just add my humble opinion that if you dont use all the benefits that were offered by credit cards that are getting axed, i wouldnt put too much stock in that as a turnoff. Afterall, 2% is 2% lol. Im sure some will mention Boa , Bank of America, in you can get more back for your spend if you have a Premium relationship. In the end, you might want to get into an eco system such as Chase UR or Amex MR where you can earn free trips etc. For a general everyday spend card, Citi DC is still good imo Welcome to the forum by the way

[Anonymous]

Well, the first thing that comes to mind is BOA Cash Rewards for 3% online shopping, 2% warehouse.

Uber for 4% on dining is a gimme.

Sam's / Costco cards for 5% / 4% gas.

Dwindling protections seems to be the trend right now as if there's going to be some kind of refresh across the industry or incresed benefit from V/MC directly vs the banks providing the benefits.

[Kforce]

My wife and I are also into keeping  it simple, however no single card is as nice as 2 for rewards.  I have managed to get my wife and daughter to always have and use two cards.  For my spend and what you listed, my two card choice would be.  A 2% everywhere card like the City DC and a Bank of the West 3% on Gas, Grocery, Restaurant, Fast-food (1% other). For my daughter's spend a BoW would return more than a general 2%, however for me a flat 2% would be better. With just 2 cards we average about 2.6% cash back. I got my family to carry two, bet you could also !

[Anonymous]

If you’re just going to use one card, a 2% card like the ppmc is provably the best bet.

[pinkandgrey]

Single card users, eh? Have you looked into the Alliant Visa Signature? It has a $99 AF, but if you spend 40k on a card per year, you would make up for that ten times over lol. The card gives 2.5% on EVERYTHING. In my credit fantasies I have that as my only card. 

[Anonymous]

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@pinkandgrey wrote:

Single card users, eh? Have you looked into the Alliant Visa Signature? It has a $99 AF, but if you spend 40k on a card per year, you would make up for that ten times over lol. The card gives 2.5% on EVERYTHING. In my credit fantasies I have that as my only card. 

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Yes, I just started reading about that.  Have to look into the whole credit union thing, not very familiar with those.

Thanks to everyone for responses so far.  I appreciate them.

[Anonymous]

plunged your number here https://www.thepointcalculator.com/Cash/Citi/Citi-Double-Cash-Card

I found you can do better with wf propel (with wf visa, just have it, no need to use it), alliant visa, freedom unlimited (with CSR, just have it, not need to use it).

You can obviously do even better if you open to using multiple cards.

[M_Smart007]

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@Anonymous wrote:

plunged your number here https://www.thepointcalculator.com/Cash/Citi/Citi-Double-Cash-Card

I found you can do better with wf propel (with wf visa, just have it, no need to use it), alliant visa, freedom unlimited (with CSR, just have it, not need to use it).

You can obviously do even better if you open to using multiple cards.

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"I found you can do better with wf propel (with wf visa)"

i have That Combo and use it. Very Happy

[M_Smart007]

ya, again "UBER", if you can Ever Find a Link to Apply, "Screwy Rabbit"