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Best Cash Back Bonus Card of 2019

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Established Contributor

Best Cash Back Bonus Card of 2019

3% on 6 key categories.

 

https://www.wisebread.com/bank-of-america-cash?utm_medium=native&utm_source=comcast&utm_campaign=BAC...

 

 

FICO 8: - 07/2020 AU 8 BC 8
FICO 9: - 07/2020 AU 9 BC 9
F5,F4,F2 07/2020 AU... BC...
Vantage 07/2020
AoOA - 24Y4M | AoYA – 0Y10M | AAoA – 12Y0M (EQ), 11Y11M (EX & TU)
Open: 10 CC: 1 reporting 4.40% - 0.50% AGG UTL | 1 PLOC | 1 MTG loan: 81.3% UTL | 1 Auto loan: 7.83% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (EX) 1/12 & 1/24
Message 1 of 5
4 REPLIES 4
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Valued Contributor

Re: Best Cash Back Bonus Card of 2019

3% on ONE of 6 categories, you choose monthly.

 

The 3% choice category and the 2% fixed grocery/wholesale share a COMBINED quarterly limit of $2,500 in purchases.

 

It's... ok? Not sure it deserves a "Best" description. I don't use mine all that much... there's usually a better option.

 

 

EQ8:850 TU8:850 EX8:850
EQ9:850 TU9:850 EX9:850
EQ5:809 TU4:789 EX2:819 - 2019-09-06
Message 2 of 5
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Established Contributor

Re: Best Cash Back Bonus Card of 2019

Did I read wrong, not 3% on several categories every month?  Overall I can't argue.  I have 4% on dining/entertainment on my Savor and only a max of 2% for gas and groceries with other cards. I appreciate rewards that I can use in my normal spending pattern but after getting out of credit card debt and improving my scores I'm not big on using much credit to work rewards or SUB.  Which is probably why I can't get high SL or CLI regardless of scores and report data.  But I respect those that do....get all that you can! 

 

Reward cards seem to be a big thing on the forums along with SUB.  Ran across this article today and thought I'd share.   However, good to know your thoughts as a card holder.  

FICO 8: - 07/2020 AU 8 BC 8
FICO 9: - 07/2020 AU 9 BC 9
F5,F4,F2 07/2020 AU... BC...
Vantage 07/2020
AoOA - 24Y4M | AoYA – 0Y10M | AAoA – 12Y0M (EQ), 11Y11M (EX & TU)
Open: 10 CC: 1 reporting 4.40% - 0.50% AGG UTL | 1 PLOC | 1 MTG loan: 81.3% UTL | 1 Auto loan: 7.83% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (EX) 1/12 & 1/24
Message 3 of 5
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Regular Contributor

Re: Best Cash Back Bonus Card of 2019

This is an interesting read! It will be interesting to see what the competition does in the future.
Message 4 of 5
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Regular Contributor

Re: Best Cash Back Bonus Card of 2019

I think the Fifth Third Trio may actually be a better fit for those who stay in serving areas. I was looking for a good cash back and was going back and forth between the two. I just received a targeted offer of $150 for $500 spend. It has weak cell protection but some other MC benefits like double warranty.

https://www.53.com/content/fifth-third/en/personal-banking/bank/credit-cards/trio.html
Late to the game but at least I'm getting started.

FICO 08 as of 2/7/20: EX – 712; EQ – 711; TU – 718 – still building
4/9/20: TU: 747 and EX: 730

New Cards:
Discover IT $12k (7/2019) CLI (4/2020): +2k
Uber VISA $7K (10/2019) --- whomp, whomp; SavorOne $10K (12/19) – P2
AMEX BCE $1K (10/2019) CLI (5/2020): +$2k (3x CLI yippee)

Biz Cards:
Chase Ink Business Cash (1/2020)

Back in the garden....

Goal cards:

1) Chase Ink Preferred (ads/shipping)
2) AMEX Blue Cash Preferred (hopefully I receive upgrade offer)
3) AMEX Blue Business Cash - Approved 6/1/20 (late game and after I’m done with Chase SUBs)
Maybe: US Bank Cash + VISA Signature Card (denied in 7/2019 with 2 inquiries) - maybe I'll try again for utilities and gym
Message 5 of 5
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