@K-in-Boston wrote:If you can (and are willing to) have a direct deposit going into a PenFed checking account, the Power Cash Rewards ticks all of your boxes. Otherwise it's only 1.5%.
The closest I come to a direct deposit is my PayPal MasterCard cashback. 
Other than that, the only one depositing into my accounts is me.
@Anonymous wrote:
@K-in-Boston wrote:If you can (and are willing to) have a direct deposit going into a PenFed checking account, the Power Cash Rewards ticks all of your boxes. Otherwise it's only 1.5%.
The closest I come to a direct deposit is my PayPal MasterCard cashback.
You can also park $500 into the checking account to obtain the 2%.
SDFCU Premium Cash Back+ is 2% cashback, no AF, no FTF, Visa, $250 cell phone insurance, available as Chip+PIN priority, $5 minimum redemption, no BT fees, $200 SUB for $3k spend in first 3 months, APR as low as 10.74%, Skip-a-payment option available if needed, transaction alerts through text available, pretty sweet Cash Back Mall, solid website and mobile app.
You can join the CU through being a member of Consumer Council. They are really conservative, though, and no real auto payment option.
@Anonymous wrote:
@NimbusIII wrote:I would suggest looking into:
US bank Cash+ which is 5% on catagories of your choosing
Chase Freedom or Freedom Unlimited.
or the Wells fargo cash wise visa. 15 months 0% APR
all are no annual fee VISA cards with good rewards.
Thanks, I'm giving a lot of consideration to WF Visa as well as their Propel for travel.
I don't expect there'll ever be a time in my life I'm below 5/24.
My initial focus was on the cash back and visa categories. The NFCU flagship rewards is a great travel card that earns points easily. However if you can hold out a couple more weeks the New Pathfinder card is being released from Penfed! A no annual fee card but I believe it will be Amex based. Propell is solid earner. The Capital one Venture card is also a Visa - no thrills but usually a decent SUB. Of all these I'm set on the Pathfinder next.
@AllZero wrote:
@Anonymous wrote:
@K-in-Boston wrote:If you can (and are willing to) have a direct deposit going into a PenFed checking account, the Power Cash Rewards ticks all of your boxes. Otherwise it's only 1.5%.
The closest I come to a direct deposit is my PayPal MasterCard cashback.
You can also park $500 into the checking account to obtain the 2%.
I should have mentioned that I want to avoid any additional bank accounts. At the end of the day I'm living in Canada and have a US mailing address - no job, no savings, no tax forms, no utility bills south of the border.
@NimbusIII wrote:
@Anonymous wrote:
@NimbusIII wrote:I would suggest looking into:
US bank Cash+ which is 5% on catagories of your choosing
Chase Freedom or Freedom Unlimited.
or the Wells fargo cash wise visa. 15 months 0% APR
all are no annual fee VISA cards with good rewards.
Thanks, I'm giving a lot of consideration to WF Visa as well as their Propel for travel.
I don't expect there'll ever be a time in my life I'm below 5/24.
My initial focus was on the cash back and visa categories. The NFCU flagship rewards is a great travel card that earns points easily. However if you can hold out a couple more weeks the New Pathfinder card is being released from Penfed! A no annual fee card but I believe it will be Amex based. Propell is solid earner. The Capital one Venture card is also a Visa - no thrills but usually a decent SUB. Of all these I'm set on the Pathfinder next.
Oh I can wait more than a couple of weeks - I have nine new accounts in the last 12 months and aside from Amex no one's approving me for anything in the immediate future.
@Anonymous wrote:
@AllZero wrote:
@Anonymous wrote:
@K-in-Boston wrote:If you can (and are willing to) have a direct deposit going into a PenFed checking account, the Power Cash Rewards ticks all of your boxes. Otherwise it's only 1.5%.
The closest I come to a direct deposit is my PayPal MasterCard cashback.
You can also park $500 into the checking account to obtain the 2%.
I should have mentioned that I want to avoid any additional bank accounts. At the end of the day I'm living in Canada and have a US mailing address - no job, no savings, no tax forms, no utility bills south of the border.
That clears up the need for no FTF.
I understand it likes to be wined and dined
@AverageJoesCredit wrote:I understand it likes to be wined and dined
That's OK. I get 3% cashback on dining with my Savor One.
I guess till I find my "soulmate" Visa I can just use the TD for restuarants and groceries. It'll take about $1100 of spend to get to $25 in cashback.
@Anonymous wrote:
@AverageJoesCredit wrote:I understand it likes to be wined and dined
That's OK. I get 3% cashback on dining with my Savor One.
I guess till I find my "soulmate" Visa I can just use the TD for restuarants and groceries. It'll take about $1100 of spend to get to $25 in cashback.
Yep. FTF is huge for you. Paying it eliminates rewards and then some. Even earning just 1% with no FTF is better than any card with a FTF.