>1% cash back cards

[Themanwhocan]

It is not that rare for a bank to allow two of the same card. though often it is done by either PC'ing a card, or due to bank mergers or a card that the bank is terminating thus requiring existing card holders to change their card to another card, etc.

Some people are successful in applying for a card they already have. For example Chase used to have 2 versions of the Freedom (VISA and MasterCard versions). Some people are successful in applying for the exact same Barclay card, usually for travel signup bonuses.

PC'ing a card is the most straightforward way. I was talking with a US Bank underwriter on the phone, and specifically asked if he knew of any reason why i couldn't have two cash+ cards, and he said other than the rewards would be separate, there was no such restriction. That probably cleared my way to getting both my cards PC'd over so quickly.

[CashOnDelivery]

Add Discover to the list w/ it's rotating categories.

[CashOnDelivery]

Nvm...it was listed and I missed it.🙈

[celluloid17]

Elan Financial Services (a division of U.S. Bank), which issues credit cards for a number of credit unions and under their own brand (Elan), has two rewards card options:

Elan Bonus Rewards Visa (No AF) is 1% back on everything, but they give you a 25% bonus on all points earned each month so essentially it's a 1.25% general spend card

&

Elan Bonus Rewards Plus Visa ($50 AF) is 1% back on everything, but with a 50% bonus on all points earned each month, which makes it a 1.5% general spend card.  This option is really not worth it when you have cards like Quicksilver, which gives you 1.5% back without an AF.  

[longtimelurker]

---

@Themanwhocan wrote:

It is not that rare for a bank to allow two of the same card. though often it is done by either PC'ing a card, or due to bank mergers or a card that the bank is terminating thus requiring existing card holders to change their card to another card, etc.

Some people are successful in applying for a card they already have. For example Chase used to have 2 versions of the Freedom (VISA and MasterCard versions). Some people are successful in applying for the exact same Barclay card, usually for travel signup bonuses.

PC'ing a card is the most straightforward way. I was talking with a US Bank underwriter on the phone, and specifically asked if he knew of any reason why i couldn't have two cash+ cards, and he said other than the rewards would be separate, there was no such restriction. That probably cleared my way to getting both my cards PC'd over so quickly.

---

And it was (and for some cards still is) very common for Citi.  You could hold multiple of their AA cards without PCing, just new apps.

[credit-hunter]

BofA cash rewards 1,2,3%

[Ron1]

PNC Cash Builder Visa 1.25%

Ron.

[Hammer23]

---

@NikoD wrote:

I've been looking through old threads for good cash back cards. I know there are lots of threads about this already but I just wanted to make sure I wasn't missing any really good ones. I didn't include ones that have great sign up bonuses because I'm looking for cards that will be useful for a long time to come.

Quicksilver ~ 1.5%

Dividend/Discover/Freedom ~ 5% rotating categories, 1% everything else

Sallei Mai MC ~ 5% gas/groceries/books (amazon), 1% everything else

US Bank Cash+ ~ two chosen 5% categories, one chosen 2% category, 1% everything else

JCB Marukai ~ 1% first $1000, 2% next $2000, 3% everything over $3000 (residency requirements apply, 25$ annual fee)

Fidelity Amex ~ 2% deposited in Fidelity account

BCE ~ 3% groceries, 2% gas, 2% department stores

BCP ~ 6% groceries, 3% gas, 3% department stores ($75 annual fee)

Does anyone have any (or know of any) other cash back (not rewards) cards that they think are worth considering?

---

Barclaycard Rewards - 2% Gas / Groceries (includes Walmart, Target, and Dollar Stores) 2% Utilities 

[Themanwhocan]

I forgot to mention the Sallie Mae Upromise.com card, for 5% + 5% cash back on online shopping via their portal.

[angelcred10]

Always hearing about this Sallie Mae Card, that much better than BCE?

I never noticed those are pretty high %'s back!

May go apply...