Author Topic: Best Cashback card for general purchases?  (Read 3981 times)

Offline ChaimMoskowitz

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Re: Best Cashback card for general purchases?
« Reply #15 on: November 02, 2018, 03:37:49 PM »
anyone know about the Alliant Cashback Visa® Signature Credit Card or have any experience with it? and how it compares to the Capital One Spark?
3% on everything the first year then 2.5% after that. Has $59 AF waived the first year.
I just found a new supply of forks!

Offline herb

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Re: Best Cashback card for general purchases?
« Reply #16 on: November 02, 2018, 03:40:20 PM »
3% on everything the first year then 2.5% after that. Has $59 AF waived the first year.
interesting that i never heard of it. i recently asked around for the highest cashback card and was told either of spark or citi double cash. noone mentioned alliant

Offline Dan

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Re: Best Cashback card for general purchases?
« Reply #17 on: November 02, 2018, 03:45:09 PM »
interesting that i never heard of it. i recently asked around for the highest cashback card and was told either of spark or citi double cash. noone mentioned alliant
How much do you spend on non-bonused purchases per year?
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 ChaimMoskowitz

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Re: Best Cashback card for general purchases?
« Reply #18 on: November 02, 2018, 04:28:05 PM »
interesting that i never heard of it. i recently asked around for the highest cashback card and was told either of spark or citi double cash. noone mentioned alliant
Some like to play the match the purchase to the card game. Also credit union cards are hidden gems.
I just found a new supply of forks!

Offline moe8555

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Re: Best Cashback card for general purchases?
« Reply #19 on: November 02, 2018, 06:07:33 PM »
Some like to play the match the purchase to the card game. Also credit union cards are hidden gems.

Care to share some of the gems?

Offline herb

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Re: Best Cashback card for general purchases?
« Reply #20 on: November 03, 2018, 07:10:15 PM »
How much do you spend on non-bonused purchases per year?
what do you mean non-bonused?

Offline herb

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Re: Best Cashback card for general purchases?
« Reply #21 on: November 04, 2018, 01:17:16 AM »
Some like to play the match the purchase to the card game. Also credit union cards are hidden gems.
i respect those who do but rest of my family would never have the patience to keep pulling out different cards in different stores. I need one card thatl work for everything

Offline GettingReady

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Re: Best Cashback card for general purchases?
« Reply #22 on: November 04, 2018, 08:22:50 AM »
i respect those who do but rest of my family would never have the patience to keep pulling out different cards in different stores. I need one card thatl work for everything

Then the ones posted above-Alliant, Discover It (first year) and BoA Premium if you’re a Plat Honors member. My husband usually carries 2-3 different cards in his wallet. Round stickies labeled with gas,grocery, etc made it easy for him until he learned. You can even color code categories. MSR Cards are placed vertically in the slot so he grabs it first.

Offline herb

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Re: Best Cashback card for general purchases?
« Reply #23 on: November 04, 2018, 09:05:37 PM »
Then the ones posted above-Alliant, Discover It (first year) and BoA Premium if you’re a Plat Honors member. My husband usually carries 2-3 different cards in his wallet. Round stickies labeled with gas,grocery, etc made it easy for him until he learned. You can even color code categories. MSR Cards are placed vertically in the slot so he grabs it first.
not farmiliar with the 'discover it' and 'Boa premium'...?

Offline GettingReady

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Re: Best Cashback card for general purchases?
« Reply #24 on: November 04, 2018, 09:16:12 PM »
not farmiliar with the 'discover it' and 'Boa premium'...?

Best to look them up, see if you’d be interested in them, and if you’re even eligible. BofA has become more strict with approvals.  Different issuers have different rules. There’s an art to CC applications. If you’re not familiar with the cards, then you’re probably new and don’t know about 5/24 either. Google Doctor of Credit for a wealth of info.

Offline herb

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Re: Best Cashback card for general purchases?
« Reply #25 on: December 08, 2018, 07:37:03 PM »
looking to get a few cashback cards that have highest % for each category. i already have a card with 5% on gas. anyone know which cards have the highest % in each category?

Offline Joel2

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Re: Best Cashback card for general purchases?
« Reply #26 on: December 08, 2018, 08:02:14 PM »
looking to get a few cashback cards that have highest % for each category. i already have a card with 5% on gas. anyone know which cards have the highest % in each category?
Amex gold 4% Grocerys up to 25k

Offline herb

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Re: Best Cashback card for general purchases?
« Reply #27 on: December 08, 2018, 11:15:42 PM »
Amex gold 4% Grocerys up to 25k
thank you. Any other categories?

Offline IGBES

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Re: Best Cashback card for general purchases?
« Reply #28 on: December 09, 2018, 12:32:34 AM »
Chase Freedom has 5 points/$ at rotating categories up to $1,500 in combined purchases in each quarter, this quarter category is wholesale and department stores. No annual fee 

Offline S209

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Re: Best Cashback card for general purchases?
« Reply #29 on: December 09, 2018, 02:08:42 AM »
They make sense though.

3% for the first year, yeah.

But i'd only be making an extra .5% more in year 2 and so fourth plus i'd have to pay $59 annually.

I don't think I'd rack up enough cash back to come out positive where I'd pay off the $59 then make more on top of that.

If anything, I might break even.
You do realize, when it gets down to it,  any card with a half decent signup bonus will be easily worth more upfront than the cash back you’d get for a couple of years with even the best cash back earning regular card, assuming you’re spending that little annually
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