What % back would you need to only have 1 card

[Anonymous]

So, with the PayPal change looming I was wondering...what would YOU need for a cash back percentage from a card, on all purchases, to get you to use this fictitious card as your one and only. 3%? 4%? 5%? More?
I’d need 3.5%-4%. On every single purchase. All the time.
I see a card that does that I forget everything else and use that card only.

[Anonymous]

If I could only use one card, I'd probably need to get 4% back to be happy with it.

[Anonymous]

100%

(well, you did ask)

[Kforce]

3%,  No FTF,  NAF, No Cap, Visa Network

[wasCB14]

Assuming no AF, no travel perks, and weak or no protections (travel insurance, warranties, etc)...

Maybe 5%-6%

[SBR249]

4% buys my loyalty. 

[Anonymous]

PayPal has been pretty close other than some category spend.. At 4% with No AF I’d probably dump everything at it...

[Anonymous]

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@Kforce wrote:

3%,  No FTF,  NAF, No Cap, Visa Network

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That actually exists. At least for the first year, but you could always close and reopen a new account every year  

[longtimelurker]

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@Anonymous wrote:

100%

(well, you did ask)

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And there we were about to offer you a 75% cashback card.  Glad we didn't waste our time!

[Anonymous]

5% on everything would buy my absolute loyalty since despite this set back with the PayPal Business Debit, I’ve got 3% groceries with NFCU More Rewards, 3% internet/cell with BBVA, 5% back on Amazon with the Prime Store Card, 5% rotating categories with Disco, and still 2% on everything else with my PayPal Cashback. 

I would take 4% if I could keep Disco and Amazon in my wallet too. 

The vast majority of my spend is Amazon and utilities so I’m actually pretty solidly covered since I don’t eat out at all. 

Obviously, no matter how much cash back a card offers, I will always have backup cards like Old Reliable (Cap1 QS) as well.