> It's a little complicated because of the minimum to get to 2% but it's probably a better deal than my free Chase Amazon card in any case. If you're talking a

> It's a little complicated because of the minimum to get to 2% but it's probably a better deal than my free Chase Amazon card in any case. If you're talking about the Visa (?) with the spend then 2%, the Amex version is straight-up 2% from the first dollar. A free-to-sign-up-for-no-fees Fidelity Cash Management Account suffices for a transfer target for accumulated cash back, then you can EFT the funds wherever you like (side note, Fidelity has great EFT options). The downsides to the Amex are: (1) slightly lower acceptance (2) FIA Card Services (the administrator is not Amex proper) has no auto-pay (3) it's not an Amex proper, so you aren't eligible for most of the Amex $x off $y at z deals https://www.fidelity.com/cash-management/american-express-cards https://www.fidelity.com/cash-management/american-express-ca... That said, the 2% w/ no AF is still my benchmark that I evaluate everything else against. It's amazing how many alternatives it weeds out.