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Where are you getting 5% cash back? Highest I've seen is Chase Sapphire with their points which are worth 2-3%. Highest straight cash back I've seen is Citi Dou
by seanp2k2 11y ago
Where are you getting 5% cash back? Highest I've seen is Chase Sapphire with their points which are worth 2-3%. Highest straight cash back I've seen is Citi DoubleCash at 2%.
- mafuyu 11y agoChase Freedom has 5% cash back on certain categories that change throughout the year.
- spyspy 11y agoFreedom and Sapphire cards are amazing because you can combine points between them.
- robryan 11y agoHow does that work? If credit card fees are well under 5%.
- dallbee 11y agoSure, fees are under 5%, but what about that one month that you didn't pay off your bill in full? Enjoy that ~30% interest rate on your account balance.
- BHSPitMonkey 11y ago1) Chase Freedom's APR tends to be around 20% 2) If you only carry a balance (or part of it) for one month (as in your example) and then pay it off the next month, your interest charge is nowhere close to the APR (and it's only calculated against the portion you didn't pay off).
- calbear81 11y agoDiscover has seasonal 5% categories that change every 3 months but they're pretty broad like "Gas and Groceries" or "Restaurants and Entertainment". I have the old American Express Blue Cash card which has some crazy 5% cashback on gas and groceries once you hit a minimum spend during the year. That thing paid out like a slot machine when gas prices were hovering around $3.50 a gallon and I was doing a 100 mile commute daily.
- puetzk 11y agoUSBank Cash+ too. You have to pick categories each quarter. You get to pick though, which makes it more convenient than cards that just assign random categories.
- dublinben 11y agoI have an old Citi Forward card that offers 5% back on all restaurants and bookstores (including Amazon).
- tehwebguy 11y agoIn addition to the ones mentioned here Wells Fargo has a card with 5% back at grocery stores for the first 6 months and the Chase Ink+ gets 5x at office supply stores and a few others.
- gtk40 11y agoI have a discontinued Barclaycard that gets me 5% for gas, groceries (including Walmart and Target), and bookstores (including anything at Amazon, even AWS and digital downloads). There are caps, but I almost always spend below (have hit the grocery one a couple of times).