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Old 12-24-2018, 04:56 PM
 
Location: Murrica
2,482 posts, read 1,496,411 times
Reputation: 1278

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Quote:
Originally Posted by recycled View Post
My USAA cash back rewards card pays 1.5 percent on everything and no annual fee. I don't know how the OP got a 2.5 per cent rewards card, maybe special offer a long time ago? Most important, my card is compatible with chip and pin security in other countries, and there is no foreign transaction fee. Those two things are a big deal to me because I spend three months during the summer in Germany. I don't know of any other no fee cash rewards cards with no foreign transaction fee, and that are compatible with international chip and pin security.
Capital One Rewards.
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Old 12-24-2018, 05:24 PM
 
Location: Tucson, AZ
2,201 posts, read 7,555,566 times
Reputation: 3017
Quote:
Originally Posted by m1a1mg View Post
Capital One Rewards.
No, Capital One rewards cards are not chip and pin, they are chip and signature. I need chip and pin when making purchases at the credit card terminals at everywhere I shop in Germany. This comes from Capital One website:

Both Chip and PIN and Chip and Signature cards offer better fraud protection than traditional magnetic stripe cards. The only difference is that the Chip and PIN card requires you to enter a PIN at checkout while the Chip and Signature card only requires your signature. Good news! Capital One chip cards will be Chip and Signature cards, so there’s no additional PIN to remember.
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Old 12-25-2018, 01:53 PM
 
Location: Pittsburgh, not Paris. #MAGA.
10,130 posts, read 5,521,394 times
Reputation: 9942
Quote:
Originally Posted by recycled View Post
My USAA cash back rewards card pays 1.5 percent on everything and no annual fee. I don't know how the OP got a 2.5 per cent rewards card, maybe special offer a long time ago? Most important, my card is compatible with chip and pin security in other countries, and there is no foreign transaction fee. Those two things are a big deal to me because I spend three months during the summer in Germany. I don't know of any other no fee cash rewards cards with no foreign transaction fee, and that are compatible with international chip and pin security.
They were offering it sometime within the last 1 to 2 years; I forget the exact time frame I applied for my card.

You can still read about the card, though it's no longer being offered: https://www.creditcards.com/reviews/...t-card-review/
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Old 12-25-2018, 02:09 PM
 
Location: Murrica
2,482 posts, read 1,496,411 times
Reputation: 1278
Quote:
Originally Posted by recycled View Post
No, Capital One rewards cards are not chip and pin, they are chip and signature. I need chip and pin when making purchases at the credit card terminals at everywhere I shop in Germany. This comes from Capital One website:

Both Chip and PIN and Chip and Signature cards offer better fraud protection than traditional magnetic stripe cards. The only difference is that the Chip and PIN card requires you to enter a PIN at checkout while the Chip and Signature card only requires your signature. Good news! Capital One chip cards will be Chip and Signature cards, so there’s no additional PIN to remember.
Just from personal experience, but I was able to use Pin.
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Old 12-28-2018, 07:12 PM
 
Location: The South
4,715 posts, read 3,288,108 times
Reputation: 6971
Fidelity Visa works for me, 2 % cash back on everything, auto deposited in my account, no fee. Life is complicated enough without having to track which card to use.
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Old Today, 10:16 AM
 
Location: Virginia
573 posts, read 277,867 times
Reputation: 329
Two cards with no annual fees, Discover and AMX Cash. Both of these offer 5% on certain purchases for specific months, so I only use these two cards and get lots of cash dollars deducted from my statements.

For the month of January, Discover cash back is 5% for groceries. That is pretty decent!
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Old Today, 01:37 PM
 
Location: Chandler, AZ
1,857 posts, read 909,401 times
Reputation: 4264
2.5% cash back is terrific!

I use three cards:

Chase Sapphire Reserve, 3% back on travel & dining, primary rental car insurance, extra year of warranty
Chase Freedom Unlimited, 1.5% back on everything
Chase Freedom, 5% back on rotating categories

If I use that return as Ultimate Rewards points on travel, I get a 50% bonus. Maximizing this can get us a nice trip or two per year!
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Old Today, 02:41 PM
 
336 posts, read 282,018 times
Reputation: 265
Quote:
Originally Posted by jnojr View Post
2.5% cash back is terrific!

I use three cards:

Chase Sapphire Reserve, 3% back on travel & dining, primary rental car insurance, extra year of warranty
Chase Freedom Unlimited, 1.5% back on everything
Chase Freedom, 5% back on rotating categories

If I use that return as Ultimate Rewards points on travel, I get a 50% bonus. Maximizing this can get us a nice trip or two per year!
I have the same trifecta of Chase cards.
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