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Where do you find better rewards for general purposes? I know there are plenty of better cards for travel, and I think there’s a few that are better for dining
by bigyikes 3y ago
Where do you find better rewards for general purposes? I know there are plenty of better cards for travel, and I think there’s a few that are better for dining and other misc stuff, but Apple Card (w/ Apple Pay) seems to be the best in general at 2% for any purchase?
- CobaltFire 3y agoAMEX Gold seems to be the best bang for my buck. Four points on groceries (and dining out, but we don't do that much) with a family of 4 means I rack up something north of 60k points a year just on that. That doesn't seem like a lot, but coupled with other spending it does help with going to visit my wife's family every few years. I cashed in 90k miles per ticket to get $500 business class round trip tickets on ANA last year. That means that roughly every 4 years we can do that trip for trivial travel cost.
- astura 3y agoWells Fargo, PayPal, SoFi, Citibank, and Fidelity[1] all offer 2% cash back on everything, unlimited, no annual fee. There's nothing special about that rate. Wells Fargo will even give you a $200 sign up bonus. Depending on your specific spending habits you might even come out ahead with the Citi Custom Cash, which offers 5% cash back on your highest spending category (up to $500) every month, 1% cach back on everything else. I have a credit card with Bank of America which I earn 2.625% cash back on everything, no annual fee. However, that rate requires having $100,000 invested with Merrill Lynch. - https://www.doctorofcredit.com/bank-of-america-preferred-rewards-program-5-25-cash-back-on-travel-gas-3-5-grocery-2-625-all-purchases/ https://www.doctorofcredit.com/bank-of-america-preferred-rew... [1]Fidelity requires you to have an investment account open with them to sign up, no minimum balance is required.