4 ms·

It's 2% cash back on Apple Pay, 3% cash back on Apple products, and 1% cash back on non-Apple Pay, non-Apple products. Do you know a better card that always gi

It's 2% cash back on Apple Pay, 3% cash back on Apple products, and 1% cash back on non-Apple Pay, non-Apple products. Do you know a better card that always gives 2% cash back, no cap?

heywire 8y ago
Citi Double Cash?
jchonphoenix 8y ago
The Uber card actually gives 2% cash back on online transactions, which includes Apple or Android Pay.
- Redoubts 8y ago
  And 4% at Restaurants and Cafes, which is probably half my card-spend. Shame their app from Barclays is dogshit.
astura 8y ago
Fidelity Visa is 2% on everything, no cap, no annual fee. Citi DoubleCash is 2% on everything, dunno if there's a cap, no annual fee. (you have to redeem into a bank account, not as statement credit, to get the full 2%) USAA Limitless is 2.5% cash back on everything, no cap. (military only, no longer available), no annual fee. If you have enough cash invested with Merrill Edge ($100,000, including IRAs) the Bank of America Travel Rewards earns 2.625% cash back on everything, not sure of a cap, no annual fee. If you value Membership Rewards at more than a cent, the American Express Blue Business Plus earns 2 Membership Rewards per dollar spent on everything, $50,000 cap, no annual fee. Discover IT Miles earns 3% cash back on everything the first year, churnable (you can get a new one every year), no cap, no annual fee. Alliant Credit Union Cashback Visa earns 3% on everything the first year and 2.5% after that, $60 annual fee (waived the first year), dunno of a cap. Capital One Venture is (basically) 2% cash back on everything, $95 fee (which they usually waive if you ask),no cap. Only redeemable towards travel. Has a fairly large signup bonus. Barclaycard Arrival Plus is 2% on everything, $95 annual fee, not sure of the cap. Only redeemable towards travel. Has a fairly large signup bonus. Paypal Mastercard is 2% on everything, no annual fee, dunno of a cap. Those are your basic options for no-fuss 2%+ cash back cards. If ApplePay is required to earn 2%, then I'd say the majority of those cards are better; my biggest expenses every month are bills (phone, internet, insurance, oil, electricity, etc) and I don't think I can use ApplePay to pay any of those.
- angott 8y ago
  As someone living in Canada, I see these offers and it sincerely makes me cry. The best no-fee cards here have 0.5% cash back. For anything more than 1%, you need to pay an annual fee of at least $99.
  - alfredxing 8y ago
    The AMEX SimplyCash card has 1.25% cash back. Still nothing compared to U.S. cards though, and pretty much only usable online
    - astura 8y ago
      Major hotel chains should take American Express as well.
- r00fus 8y ago
  > Discover IT Miles earns 3% cash back on everything the first year, churnable (you can get a new one every year), no cap, no annual fee. I had to look this up - seemed way to good to be true - based on this site [1], it's "Discover: 1.5 Miles per $1 spent on all purchases." All your other references check out - the Alliant seems very interesting. Fidelity requires a Fidelity bank account - too much effort. However, I am guessing Apple made a lot of hay with the "no late fees" - and really identified their target market (ie, not necessarily you & me). [1] https://www.discover.com/credit-cards/compare/?srcCode=GAX5&ICMPGN=TOPNAV_CREDITCARD_COMPARE_TAB https://www.discover.com/credit-cards/compare/?srcCode=GAX5&...
  - astura 8y ago
    "Discover: 1.5 Miles per $1 spent on all purchases." - Yes, but you missed something, they do a cashback match the first year, making it 3% for the first year. https://www.discover.com/credit-cards/resources/earn-more-rewards-with-cashback-match/ https://www.discover.com/credit-cards/resources/earn-more-re... >With Cashback Match, Discover automatically matches all the cash back new cardmembers have earned at the end of their first year on their credit card.1 Discover will apply the match after the first 12 consecutive billing cycles, within the following one or two billing cycles. At the end of the first year you can apply for a new one and get cashback match again for another year. You can hold two Discover cards at once, so the third year you'd have to close the first card, before applying for a third and at the fourth year close the second, and so-forth (people talk about actually doing this, not worth the hassle for me, and I got the USAA Limitless 2.5% card) As for a Fidelity account - a Cash Management account has no fees and no minimums and is a useful account to have (offers ATM reimbursements)
max76 8y ago
Do you know a better card that always gives 2% cash back, no cap? It doesn't always give 2% cash back, it only gives 2% cash back for places that offer Apple Pay. A significant portion of my CC chargers are at places that don't offer Apple Pay.
- kevin_thibedeau 8y ago
  Fidelity's card has 2% on everything. They put it into your retirement account but you can give yourself "cash back" with lower contribution depending on your spending.
  - astura 8y ago
    You don't need to put it in your retirement account, Fidelity offers all sorts of accounts that aren't retirement accounts where you can deposit your cash back, including a normal taxable brokerage account and a checking account.
kirbypineapple 8y ago
The Capital One card I have is 2% back on everything in the form of travel rewards. Any purchase that is categorized as travel (taxis/ride share, flights, hotels, touristy purchases) can be instantly redeemed at the 2% rate even if you don't have enough points to erase the entire purchase. Purchases can be erased up 90 days after they happen. If you want straight cash it's 1.5%.

It's 2% cash back on Apple Pay, 3% cash back on Apple products, and 1% cash back on non-Apple Pay, non-Apple products. Do you know a better card that always gives 2% cash back, no cap?

heywire 8y ago

Citi Double Cash?

jchonphoenix 8y ago

The Uber card actually gives 2% cash back on online transactions, which includes Apple or Android Pay.

Redoubts 8y ago
And 4% at Restaurants and Cafes, which is probably half my card-spend. Shame their app from Barclays is dogshit.

astura 8y ago

Fidelity Visa is 2% on everything, no cap, no annual fee. Citi DoubleCash is 2% on everything, dunno if there's a cap, no annual fee. (you have to redeem into a bank account, not as statement credit, to get the full 2%) USAA Limitless is 2.5% cash back on everything, no cap. (military only, no longer available), no annual fee. If you have enough cash invested with Merrill Edge ($100,000, including IRAs) the Bank of America Travel Rewards earns 2.625% cash back on everything, not sure of a cap, no annual fee. If you value Membership Rewards at more than a cent, the American Express Blue Business Plus earns 2 Membership Rewards per dollar spent on everything, $50,000 cap, no annual fee. Discover IT Miles earns 3% cash back on everything the first year, churnable (you can get a new one every year), no cap, no annual fee. Alliant Credit Union Cashback Visa earns 3% on everything the first year and 2.5% after that, $60 annual fee (waived the first year), dunno of a cap. Capital One Venture is (basically) 2% cash back on everything, $95 fee (which they usually waive if you ask),no cap. Only redeemable towards travel. Has a fairly large signup bonus. Barclaycard Arrival Plus is 2% on everything, $95 annual fee, not sure of the cap. Only redeemable towards travel. Has a fairly large signup bonus. Paypal Mastercard is 2% on everything, no annual fee, dunno of a cap. Those are your basic options for no-fuss 2%+ cash back cards. If ApplePay is required to earn 2%, then I'd say the majority of those cards are better; my biggest expenses every month are bills (phone, internet, insurance, oil, electricity, etc) and I don't think I can use ApplePay to pay any of those.

angott 8y ago
As someone living in Canada, I see these offers and it sincerely makes me cry. The best no-fee cards here have 0.5% cash back. For anything more than 1%, you need to pay an annual fee of at least $99.
- alfredxing 8y ago
  The AMEX SimplyCash card has 1.25% cash back. Still nothing compared to U.S. cards though, and pretty much only usable online
  - astura 8y ago
    Major hotel chains should take American Express as well.
r00fus 8y ago
> Discover IT Miles earns 3% cash back on everything the first year, churnable (you can get a new one every year), no cap, no annual fee. I had to look this up - seemed way to good to be true - based on this site [1], it's "Discover: 1.5 Miles per $1 spent on all purchases." All your other references check out - the Alliant seems very interesting. Fidelity requires a Fidelity bank account - too much effort. However, I am guessing Apple made a lot of hay with the "no late fees" - and really identified their target market (ie, not necessarily you & me). [1] https://www.discover.com/credit-cards/compare/?srcCode=GAX5&ICMPGN=TOPNAV_CREDITCARD_COMPARE_TAB https://www.discover.com/credit-cards/compare/?srcCode=GAX5&...
- astura 8y ago
  "Discover: 1.5 Miles per $1 spent on all purchases." - Yes, but you missed something, they do a cashback match the first year, making it 3% for the first year. https://www.discover.com/credit-cards/resources/earn-more-rewards-with-cashback-match/ https://www.discover.com/credit-cards/resources/earn-more-re... >With Cashback Match, Discover automatically matches all the cash back new cardmembers have earned at the end of their first year on their credit card.1 Discover will apply the match after the first 12 consecutive billing cycles, within the following one or two billing cycles. At the end of the first year you can apply for a new one and get cashback match again for another year. You can hold two Discover cards at once, so the third year you'd have to close the first card, before applying for a third and at the fourth year close the second, and so-forth (people talk about actually doing this, not worth the hassle for me, and I got the USAA Limitless 2.5% card) As for a Fidelity account - a Cash Management account has no fees and no minimums and is a useful account to have (offers ATM reimbursements)

max76 8y ago

Do you know a better card that always gives 2% cash back, no cap? It doesn't always give 2% cash back, it only gives 2% cash back for places that offer Apple Pay. A significant portion of my CC chargers are at places that don't offer Apple Pay.

kevin_thibedeau 8y ago
Fidelity's card has 2% on everything. They put it into your retirement account but you can give yourself "cash back" with lower contribution depending on your spending.
- astura 8y ago
  You don't need to put it in your retirement account, Fidelity offers all sorts of accounts that aren't retirement accounts where you can deposit your cash back, including a normal taxable brokerage account and a checking account.

kirbypineapple 8y ago

The Capital One card I have is 2% back on everything in the form of travel rewards. Any purchase that is categorized as travel (taxis/ride share, flights, hotels, touristy purchases) can be instantly redeemed at the 2% rate even if you don't have enough points to erase the entire purchase. Purchases can be erased up 90 days after they happen. If you want straight cash it's 1.5%.