It's hard to choose, but as others hand said, the BBVA ClearPoints card has netted the most cash back of any of our cards because of the excellent targeted offers. We use both mine and DW's regularly, we've earned $589.10 in cash back on the two of them this year. I also hope PNC doesn't mess these up!
My Synovus Travel Rewards card is another one that I've moved a lot of spend over to because of the rewards. If you redeem the points with the Pay Me Back feature on travel purchases they are worth 1.25 cent per point. This means you can earn 3.75% up to $12K in the 3% Dynamic Earn category and earn 6.25% up to $5000 in the 5% travel category. In all, you can earn up to $762.50 per year in cash back in the 3% and 5% categories if you Max the categories to the caps.
@lizmariposa wrote:
@Jannelo wrote:Well, for me, it's my Navy Federal More Rewards Amex card. It moved me into a prime card with a SL over $5,000. Navy Federal gave me a SL of $9,700. That was a wow for me. And they gave me the lowest APR for the card at 9.65. I've had the card for two and a half months now and will be receiving the 25k bonus points since I've met the $3,000 spend required within 90 days. I think they are only offering 10k bonus points right now for new cardholders. Lucky me to get it before they changed that offer.
- 3X points at restaurants and on food delivery
- 3X points at supermarkets
- 3X points on gas and transit
- 1X points on everything else.
- No annual fee
- No balance transfer fee
- No foreign transaction fees
- No cash advance fees
Wow, that's really great! Do you have to be Navy to apply for it?
@lizmariposa, while Navy Federal CU does require some affiliation related to military service (any branch, not just US Navy) or US government civilians, the field of membership allows family members of the above to also qualify. And the definition of those family members is pretty broad, including parents, grandparents, children, siblings and more. And the member whose service qualifies you can even be deceased.
See this posting about the topic in My Fico.
https://ficoforums.myfico.com/t5/Credit-Cards/Why-navy/m-p/6032873#M1723851
You can also learn more at the Navy Federal CU website:
https://www.navyfederal.org/membership/eligibility.html
Amex Blue Cash Preferred.
6% Groceries.
3% Gas even though I'm better off just paying cash for gas since they usually tax you 15 to 20 cents more to use your credit card.
My other one is my Chase Freedom Unlimited. 1.5% back on every purchase and 3% at restuarants and drugstores. Not too shabby.
My favorite right now is my Amex Blue Cash Preferred, because its 6% cash back on groceries is awesome. It's not my highest CL card, but definitely my favorite.
