Author Topic: Best Cashback card for general purchases?  (Read 3297 times)

Offline aceofpilots

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Best Cashback card for general purchases?
« on: October 29, 2018, 08:57:47 PM »
I was wondering if anyone had a recommendation for the best cash back card available for just general everyday purchases (coffee, toilettries, take out or just whatever is minor that doesn't require benefits)

I know AMEX has a 1.5% Cash magnet and chase I believe is the same?

i'm not really interested in a 3/2/1 structure.

I was thinking about getting a Citi Double Cash Card which was 2% which was the highest I could find.

Offline ChaimMoskowitz

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Re: Best Cashback card for general purchases?
« Reply #1 on: October 29, 2018, 09:06:03 PM »
Alliant
I just found a new supply of forks!

Offline gozalim

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Re: Best Cashback card for general purchases?
« Reply #2 on: October 30, 2018, 12:08:07 AM »
Alliant
are those points more than 1ppd?
Or is there another benefit to that card?

Offline chbochur

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Re: Best Cashback card for general purchases?
« Reply #3 on: October 30, 2018, 01:24:37 AM »
are those points more than 1ppd?
Or is there another benefit to that card?
They are 3 cents per dollar and then go down to 2.5 cents after year one (that's cents not points)

Great care if you can get approved

Offline PillanSmye

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Re: Best Cashback card for general purchases?
« Reply #4 on: October 30, 2018, 09:17:06 AM »
Alliant

But you have to spend ~$12,000 on the Alliant Sig @ 2.5% before you come out ahead vs a straight 2% card.

When I read coffee, toiletries and take out I don't see $12K being realistic.

Offline Dan

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Re: Best Cashback card for general purchases?
« Reply #5 on: October 30, 2018, 09:42:16 AM »
~$12,000
And that's excluding spending in more lucrative bonus categories on other cards.
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 #6 on: October 30, 2018, 09:50:30 AM »
But you have to spend ~$12,000 on the Alliant Sig @ 2.5% before you come out ahead vs a straight 2% card.

When I read coffee, toiletries and take out I don't see $12K being realistic.
How is 2% better than 2.5-3%? Is this some type of new math they are teaching?  :)
I just found a new supply of forks!

Offline ChaimMoskowitz

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Re: Best Cashback card for general purchases?
« Reply #7 on: October 30, 2018, 09:51:03 AM »
And that's excluding spending in more lucrative bonus categories on other cards.
i'm not really interested in a 3/2/1 structure.
I just found a new supply of forks!

Offline Yitzshpitz

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Re: Best Cashback card for general purchases?
« Reply #8 on: October 30, 2018, 09:51:26 AM »
I was wondering if anyone had a recommendation for the best cash back card available for just general everyday purchases (coffee, toilettries, take out or just whatever is minor that doesn't require benefits)

I know AMEX has a 1.5% Cash magnet and chase I believe is the same?

i'm not really interested in a 3/2/1 structure.

I was thinking about getting a Citi Double Cash Card which was 2% which was the highest I could find.


For first year the discover it  card will match your points which comes out to 3% on all purchases besides the bonus categories but no sign up bonus.

Offline aceofpilots

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Re: Best Cashback card for general purchases?
« Reply #9 on: October 30, 2018, 01:15:20 PM »
I was wondering if anyone had a recommendation for the best cash back card available for just general everyday purchases (coffee, toilettries, take out or just whatever is minor that doesn't require benefits)

I know AMEX has a 1.5% Cash magnet and chase I believe is the same?

i'm not really interested in a 3/2/1 structure.

I was thinking about getting a Citi Double Cash Card which was 2% which was the highest I could find.

I forgot to mention I didn't wanna pay an annual fee =\

i can't seem to be able to edit my  original post.

Offline PillanSmye

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Re: Best Cashback card for general purchases?
« Reply #10 on: October 31, 2018, 12:37:10 AM »
How is 2% better than 2.5-3%? Is this some type of new math they are teaching?  :)

$11K x 2% = $220

($11K x 2.5%) - $59 = $216

Offline ChaimMoskowitz

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Re: Best Cashback card for general purchases?
« Reply #11 on: October 31, 2018, 07:06:07 AM »
$11K x 2% = $220

($11K x 2.5%) - $59 = $216
No fee the first year and 3%.
I just found a new supply of forks!

Offline aceofpilots

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Re: Best Cashback card for general purchases?
« Reply #12 on: October 31, 2018, 10:59:44 AM »
No fee the first year and 3%.

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.

Offline ChaimMoskowitz

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Re: Best Cashback card for general purchases?
« Reply #13 on: October 31, 2018, 11:02:19 AM »
If anything, I might break even.
Check out the Dis cover card mentioned.
I just found a new supply of forks!

Offline herb

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Re: Best Cashback card for general purchases?
« Reply #14 on: November 02, 2018, 03:35:21 PM »
anyone know about the Alliant Cashback VisaŽ Signature Credit Card or have any experience with it? and how it compares to the Capital One Spark?