Author Topic: Best cashback non american express card  (Read 5226 times)

Offline ecomajor

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Best cashback non american express card
« on: May 29, 2011, 09:40:33 AM »
I am looking for the best cashback earning, credit card that is not american express.  It seems the best cashback of 2% is only for american express these days.  Any suggestions?

Offline AsherO

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Re: Best cashback non american express card
« Reply #1 on: May 29, 2011, 11:31:48 AM »
I am looking for the best cashback earning, credit card that is not american express.  It seems the best cashback of 2% is only for american express these days.  Any suggestions?

Non-Amex cards can't afford to offer 2% or they'd be losing money.

What categories are you spending in?
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Offline compddd

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Re: Best cashback non american express card
« Reply #2 on: May 29, 2011, 12:59:02 PM »
Doesn't Amex charge more points for their rewards though? I would think the Chase Sapphire cards are the best ones out there right now.

Offline ecomajor

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Re: Best cashback non american express card
« Reply #3 on: May 29, 2011, 01:53:22 PM »
Its too bad, no one in my family would listen to me when I told them to get the charles schwab card.  so I am trying to do as well I can.  What is the highest non amex cashback people have seen these days.

Offline AsherO

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Re: Best cashback non american express card
« Reply #4 on: May 29, 2011, 02:01:52 PM »
Its too bad, no one in my family would listen to me when I told them to get the charles schwab card.  so I am trying to do as well I can.  What is the highest non amex cashback people have seen these days.

This NY Times blog post addresses your question pretty well.
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Offline bubkiz

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Re: Best cashback non american express card
« Reply #5 on: May 29, 2011, 02:26:28 PM »
« Last Edit: May 29, 2011, 07:24:20 PM by Dan »

Offline Spiffster

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Re: Best cashback non american express card
« Reply #6 on: June 02, 2011, 07:31:18 PM »
cap1 venture = 2%
chase sapphire = 1% ~ 1.25% if you use the points for travel (but that's not really cashback)

chase freedom, discover, citi <forget the name> - 1% but have the 5% in revolving categories.

Offline AsherO

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Re: Best cashback non american express card
« Reply #7 on: June 02, 2011, 07:59:50 PM »
cap1 venture = 2%
chase sapphire = 1% ~ 1.25% if you use the points for travel (but that's not really cashback)

Isn't Venture also 2% only for travel redemptions?
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Offline Spiffster

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Re: Best cashback non american express card
« Reply #8 on: June 03, 2011, 03:59:53 AM »
Yeah, left that parens off...  burned by a bad cut and paste again....  :(

Isn't Venture also 2% only for travel redemptions?

Offline Dan

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Re: Best cashback non american express card
« Reply #9 on: June 03, 2011, 10:16:45 AM »
cap1 venture = 2%
chase sapphire = 1% ~ 1.25% if you use the points for travel (but that's not really cashback)

chase freedom, discover, citi <forget the name> - 1% but have the 5% in revolving categories.

If you're using Sapphire Preferred (1.07 points per dollar spent) for CO or Hyatt transfers you should be getting a value of at least 2% if not more.

Having that with Chase Freedom and Chase checking for 10 miles per transaction is also a nice combo.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline AsherO

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Re: Best cashback non american express card
« Reply #10 on: June 03, 2011, 10:32:19 AM »
If you're using Sapphire Preferred (1.07 points per dollar spent) for CO or Hyatt transfers you should be getting a value of at least 2% if not more.

But this is the 'best cashback card' thread :P
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Offline Dan

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Re: Best cashback non american express card
« Reply #11 on: June 03, 2011, 10:35:06 AM »
But this is the 'best cashback card' thread :P
My bad.
Stand outside any Park Hyatt and sell the points at 3 cents each :)
PH NYC will be $$$$/night when it opens...
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Offline AsherO

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Re: Best cashback non american express card
« Reply #12 on: June 03, 2011, 10:36:28 AM »
Stand outside any Park Hyatt and sell the points at 3 cents each :)

Really? Can't Hyatt shut you down or something for that?
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Offline Dan

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Re: Best cashback non american express card
« Reply #13 on: June 03, 2011, 10:39:29 AM »
Really? Can't Hyatt shut you down or something for that?
Shut you down for what?
Hyatt point stays (and the points themselves) are fully transferable to anyone.
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Offline AsherO

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Re: Best cashback non american express card
« Reply #14 on: June 03, 2011, 10:41:14 AM »
Shut you down for what?
Hyatt point stays (and the points themselves) are fully transferable to anyone.

Do you seriously think standing outside the hotel is a realistic idea?

(not rhetorical)
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Offline Dan

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Re: Best cashback non american express card
« Reply #15 on: June 03, 2011, 10:44:53 AM »
Do you seriously think standing outside the hotel is a realistic idea?

(not rhetorical)
It's not something I would do :)
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Offline AsherO

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Re: Best cashback non american express card
« Reply #16 on: June 03, 2011, 10:49:17 AM »
It's not something I would do :)

You're just too much of a fan of Paris PH and Kauai GH :P
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Offline Dan

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Re: Best cashback non american express card
« Reply #17 on: June 03, 2011, 10:50:36 AM »
You're just too much of a fan of Paris PH and Kauai GH :P
Add the PH SYD and MEL as well.
And I'm sure the PH in NRT and EZE when I make it there...
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Offline skyguy918

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Re: Best cashback non american express card
« Reply #18 on: June 03, 2011, 10:51:30 AM »
I am looking for the best cashback earning, credit card that is not american express.  It seems the best cashback of 2% is only for american express these days.  Any suggestions?


Considering you told me to get the Fidelity AMEX at 2%, it seems like you should be all over the Fidelity Visa. 1.5 points/$ spent on the first $15k/year and 2 points/$ after. You get Worldpoints and redemption is 5k points for $50 into your fidelity account (mySmart Cash Account is no minimum no fees). So practically speaking you're looking at 1.5% with a slightly more involved redemption process than normal.

Offline AsherO

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Re: Best cashback non american express card
« Reply #19 on: June 03, 2011, 10:52:57 AM »
Add the PH SYD and MEL as well.
And I'm sure the PH in NRT and EZE when I make it there...

Radiation?

Considering you told me to get the Fidelity AMEX at 2%, it seems like you should be all over the Fidelity Visa. 1.5 points/$ spent on the first $15k/year and 2 points/$ after. You get Worldpoints and redemption is 5k points for $50 into your fidelity account (mySmart Cash Account is no minimum no fees). So practically speaking you're looking at 1.5% with a slightly more involved redemption process than normal.


I didn't know Fidelity had a non-Amex, looks like it's still available.
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