Best general spend credit card

[longtimelurker]

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@yudeology101 wrote:

For cashback general spending, I love my BOA Cash Rewards-  3% Gas, 2% Groceries & rest 1%.....these are my everyday categories for me, i average about $30 per month  in statement credit each month so far.

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Yes, but here we are avoiding categories, because they vary from person to person.   But since you brought it up, wouldn't Sallie Mae be better for you?

[yudeology101]

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@longtimelurker wrote:

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@yudeology101 wrote:

For cashback general spending, I love my BOA Cash Rewards-  3% Gas, 2% Groceries & rest 1%.....these are my everyday categories for me, i average about $30 per month  in statement credit each month so far.

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Yes, but here we are avoiding categories, because they vary from person to person.   But since you brought it up, wouldn't Sallie Mae be better for you?

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Yes it could be....only thing is that it's backed by Barclays, which i am trying to avoid at all cost (personal thing).

[FutureBillionaire]

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@Anonymous wrote:
Hello, I'm currently using my Cap1 Quicksilver for all general spend, is there currently anyone else that offers 1.5% or better? The only ones I've heard of are the Cap1 Venture and Barclay Arrival, but from what I can understand, those are only 2% if redeemed for travel expenses? Thanks

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I'd argue that the US Bank Cash Plus is the best.  2% unlimited on one of 3 areas of major spending, plus 5% on other areas.  I spend thousands of dollars per year at drugstores.  Amazon counts as a bookstore, so I use my it as one of my 5% categories.  I also use it to get 5% at restaurants.  I'm a pretty big fan.

[FutureBillionaire]

The Discover Escape is an excellent everyday card.  2 miles per dollar spent, plus easy redemption.  It does have an annual fee.  But, it serves its purpose.

I'm converting my BofA cash rewards to a travel reards.  This is a great option as well.

[DigitalArk]

Maybe NFCU Flagship? 2% of every purchase if you redeem for travel. 

[longtimelurker]

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@FutureBillionaire wrote:

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@Anonymous wrote:
Hello, I'm currently using my Cap1 Quicksilver for all general spend, is there currently anyone else that offers 1.5% or better? The only ones I've heard of are the Cap1 Venture and Barclay Arrival, but from what I can understand, those are only 2% if redeemed for travel expenses? Thanks

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I'd argue that the US Bank Cash Plus is the best.  2% unlimited on one of 3 areas of major spending, plus 5% on other areas.  I spend thousands of dollars per year at drugstores.  Amazon counts as a bookstore, so I use my it as one of my 5% categories.  I also use it to get 5% at restaurants.  I'm a pretty big fan.

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The cap on the 5% is the only negative.   Re thousands per year at drug stores, surely your BC is better for that?   You need to spend a lot with a 2% card!

[Networth]

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@Longroad wrote:

Without redeeming for travel the Fidelity AMEX is 2% across the board

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+1 Some people wont use it because its not "cool" looking but it definatly is best for general spending if you don't plan to use points.

[Themanwhocan]

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@longtimelurker wrote:

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@FutureBillionaire wrote:

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@Anonymous wrote:
Hello, I'm currently using my Cap1 Quicksilver for all general spend, is there currently anyone else that offers 1.5% or better? The only ones I've heard of are the Cap1 Venture and Barclay Arrival, but from what I can understand, those are only 2% if redeemed for travel expenses? Thanks

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I'd argue that the US Bank Cash Plus is the best.  2% unlimited on one of 3 areas of major spending, plus 5% on other areas.  I spend thousands of dollars per year at drugstores.  Amazon counts as a bookstore, so I use my it as one of my 5% categories.  I also use it to get 5% at restaurants.  I'm a pretty big fan.

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The cap on the 5% is the only negative.   Re thousands per year at drug stores, surely your BC is better for that?   You need to spend a lot with a 2% card!

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I would argue that Two US Bank Cash+ cards is best

[bribro]

When I don't have any spending requirements to reach, my general, non-bonus spending goes on either my Freedom card (1.1x with a linked checking account) or AmEx SPG. That's because I personally value UR points at ~2 cpp and SPG points at ~3 cpp.