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my favorite card is my fidelity retirement rewards card. i get 2% cashback on everything. i know other cash back cards offer higher % on certain items then 1% on everything else, but at least with mine i know im averaging out to 2% across the board. with those other cards you could be closer to 1%.
Thanks, Blackbeauty, I'll look into the Citi Forward. Do you find you can use a Discover card everywhere or do you find limitations.
10 yrs ago you would find plenty of limitations where you could use Discover....today very few and far between, I would say Discover is on Par with AMEX for acceptance.
Also I must correct myself, when I said "5% cash back on the Citi forward" I had a brain fart with thinking of my Discover...I meant to say the Citi forward is 5X the points, redeemable for either 100$ statement credit or gift card per every 10K points.
10 yrs ago you would find plenty of limitations where you could use Discover....today very few and far between, I would say Discover is on Par with AMEX for acceptance.
Also I must correct myself, when I said "5% cash back on the Citi forward" I had a brain fart with thinking of my Discover...I meant to say the Citi forward is 5X the points, redeemable for either 100$ statement credit or gift card per every 10K points.
Sorry about that.
Forward is indeed 5 points per dollar spent on the categories you mention, however redemption options suck. A 25 dollar visa gift card is like 3600 points. A 25 dollar statement credit is something like 4800 points. If you ALSO have one of Citi's ThankYou cards you can get true 1:1 redemption's on most store gift cards. You can also redeem 10000 points for a mortgage (citi or non-citi) payment or student loan (best deal if it applies to you).
For rewards cards the AMEX Blue Cash and the Discover More card are the best, imo.
Of the two, the AMEX is better. Discover (and most reward cards) use rotating categories for 5%, and give 1% back on everything else AFTER you have spent $3,000 in the current year. The AMEX Blue Cash (the one with no annual fee) gives 1-3% cash back with no rotating categories, no spending limits or tiers, and you get all the the perks of AMEX (i.e. extended warranties on everything you but, guaranteed returns, etc.) Discover doesn't do extended warranties (if you want one, they make you purchase one through them from a third party for each individual item :/).
For rewards cards the AMEX Blue Cash and the Discover More card are the best, imo.
Of the two, the AMEX is better. Discover (and most reward cards) use rotating categories for 5%, and give 1% back on everything else AFTER you have spent $3,000 in the current year. The AMEX Blue Cash (the one with no annual fee) gives 1-3% cash back with no rotating categories, no spending limits or tiers, and you get all the the perks of AMEX (i.e. extended warranties on everything you but, guaranteed returns, etc.) Discover doesn't do extended warranties (if you want one, they make you purchase one through them from a third party for each individual item :/).
But when adding in Customer Service....I think Discover is the best in the business, even against American Express....I heard Chase's Sapphire program has top notch CS as well.
I really, really love my Discover More card. Excellent cash back options and I can use the cash back money at Amazon with any amount (like, I could apply $2 to an order if I want). Other than that I have an AmEx Blue Cash which I use for Costco/gas and groceries when the Discover card doesn't have any extra promos for groceries. And, if somewhere doesn't take AmEx or Discover I use my USAA MasterCard which I get 1% back on for everything.
I own a Chase Freedom and Chase Sapphire as well, but I don't really use those--although the Freedom has good rewards too (I'll admit, I opened the Sapphire just for a $300 promo). Just make sure to pay in full each month and you're set.
anyone with a rewards card that gets a variety of % depending on where you spend the money figure out the overall %?
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