The latter description is correct; 5% on gas, groceries & pharmacies and 1.25% on everything else – after $6,500. (I think) the costco amex only gives you 1%. Albireo, Are you able to view the ‘closing date’ on your credit card bill on the website? 5.0. on Citibank's application. The way you redeem rewards with chase has been far superior to any other card I have used (BoA, TD, Discover). Capital One has created a joint account with two numbers so that bills are pre-divided by purchaser. We disputed a bill once. What we like about the Chase Freedom Unlimited: If you prefer cash back now but think that a dose of adventure is in your future once travel returns to normal, the Chase Freedom Unlimited can give you the best of both worlds. The purchase protection applies to items you buy anywhere, not just at Costco. 0% interest on all purchases for the first 14 months (11.99% to 22.99% variable afterward). This card is right for: Those looking to increase their cash back for all travel-related purchases without having to pay for an annual fee. 2% cash back on all purchases, no caps, and $500 for using 4k in the first few months. I use the Amazon Visa for purchases in order to earn their 3%. According to many of the card offers, Sams Club does not qualify as a grocer due to their Merchant Category Code. Capital One will actually send your spouse an email notification if they think the restaurant tip you left was too large. Please click the button below to agree to our Terms and Conditions and acknowledge our Privacy Policy. I’ve discovered some cards tout their points earnings, but when you cash them in for a specific purpose, they require more than a point for point exchange. BOA’s card is not unlimited. This qualified him for their platinum checking package. Discover is $50 min. I saw this offer from Household Bank (HSBC): and wanted to see what others thought of it as a possible replacement before I took the plunge. I think the number 1 card on the list should be the one that requires the highest average % back with the least amount of ‘work’ on the user’s side. But for many people that may be a point of interest. The Blue Cash Preferred also comes with a solid return protection policy, which can come in handy during the upcoming holiday season. There are also a few other perks. $200 is 2% of $10,000. Why it’s great in one sentence: The Blue Cash Preferred Card from American Express earns 6% cash back at US supermarkets (up to $6,000 per year in purchases, then 1%), making it one of the best credit cards year after year for buying groceries. High tier $6500 to get off the .25%. And as far as I know, Citi and Discover only do that on a rotating basis. That’s the case sometimes with cards offering “points,” but these cash back cards earn cash back as indicated above. A bit off subject, but does anyone know if/where I can get a current code for the $100 cash bonus for opeing a Chase checking account (not the one with the dd attached)? With the Bank of America Cash Rewards, you’re capped at a higher $2,500 per quarter to receive the 2% and 3% cash back categories. You also need to pay close attention to the cash back calendar and manually activate the categories on the Discover it Cash Back each quarter, online or by phone, before you make purchases in order to earn the bonus cash back. Capital One Business Platinum VISA – Well, business expenses. Sign-up bonus: Receive a match of all cash back earned at the end of your first year. Expert users can convert the cash back to Citi ThankYou travel points at a ratio of 1 cent per point when combined with the Citi Prestige® Card or Citi Premier℠ Card. Of course, this requires parking a significant amount of money in your Bank of America bank or investment account, but it can pay out extremely well for loyal Bank of America customers. I recently set up all my recurring monthly bills to be paid automatically with this card. Rewards. For the people who do have this card, what’s the deal with the Regular Share account? Thanks! Pen Fed Platinum cash back now has a $25 annual fee (I’ve had the card for a year and they just sent a notice in the mail). I just got one and got screwed! However, I think there is a $2.50 per month charge for some facet of it. The card … Side. We may receive a commission through the LendingTree affiliate network if you apply and are approved for a card, but our reporting is always independent and objective. I buy a lot of BP fuel. Which cards would be best “longterm” once the signing bonuses have been used? I have earned about $600 last year by just using it on all my purchases. I am also interested to know what people think about the CapitalOne Cash with 50% bonus. Choice Privileges VISA – GREAT if you are a fan of Choice brand hotels. This equals 1 1/2% of all purchases. That’s because if you also have a premium ThankYou card, you can actually convert your cash back from the Citi Double Cash to Citi ThankYou points and then transfer those points to one of Citi’s airline partners or redeem them for airfare at 1.25 cents per point when going through the Citi travel portal with the Citi Premier (though this rate will drop to 1 cent per point after April 21, 2021). They also allow you to use the points for gasoline cards etc… A room rate of $80 costs 8,000 points/cents OKAY, but to purchase a $50 gas exchange requires 16,000 points/cents or $160 worth of points. Why did we select these cards as our best cash back credit cards for 2020? I recall reading somewhere about that PenFed card that to join, all you need to do is make a one-time payment of $20-30 to some military organization to become a member. Another great benefit to this card is they pay you your cash back each month as a credit to your account statement. What we like about the Citi Double Cash: When compared to all of the other major no-annual-fee credit cards, the Citi Double Cash offers the highest ongoing flat-rate return on every single purchase. 1% cash back means it works out to $1 for every $100 you spend. CNN Underscored reviews financial products such as credit cards and bank accounts based on their overall value. However, to become a member, all you need to do is make a $15 donation to their organization serving troops and invest $5 into your own share account as the minimum. Still get 5% at the pump though. 18-month 0% introductory rate on balance transfers (13.99% to 23.99% variable afterward). I am currently using an Amex Choice Plus Card ($65.00 annual fee with an Amex gift certificate redemption return rate of 8%), instead of the Costco, no fee (1%) cash back card. The old saying “Cash is king” might never have been as true as it is right now. I estimate a $100 a month cash rebate for myself. This month, they reduced their grocery cashback rewards to 1% from 2% (with little-to-no warning) and that was a rather big disappointment (chalk it up to inflation and the Fed’s monetary policies I suppose [is anyone else noticing the crazy prices at the supermarket these days?]). I’ve listed the Capital One No Hassle Cash Rewards, but the Capital One Cash Rewards offers a lower cash back percentage for the benefit of no annual fee. 5% cash back on ALL BP purchases (including snacks, beer, etc.) For the current quarter that runs from October through December, those categories include Walmart and PayPal. You make me want to open another Capital One Credit Card. It’s harder, though, to be approved for the credit card itself because PenFed is a very conservative lender. That group takes your information, and reconnects you to another group. So, for example when I bought some sneakers at JCPenny with 4% cash back, I literally received a bonus of 4% on top of the standard 1%. I have the penfed cashback card and use it ALL the time for gas only. Use Chase Freedom and Discover for their 5% categories (Discover has one month grocery ones too) 2. I took my kids out to eat and the restaurant removed the price of a meal because it contained a foreign object. I highly recommend PenFed! For Amazon Prime members, they get unlimited 5% cash back on Amazon purchases and no foreign exchange fees (A Visa credit card too). Thanks for the advice! I’m staying clear of any chase card. I pay for almost everything with that card and pay off the balance each month to avoid interest. Just to clarify, as a representative from Chase pointed out privately, the bonus is an additional (up to) 20% back on the purchase price, not on the points *for* the purchase. Plus, if you’re looking to make a large purchase, you can get an introductory 0% APR on purchases for 15 months. Aside from the bonus categories, this card also comes with many unique benefits that differ from most other Chase cards. Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drugstores or home improvement/furnishings. That includes looking at spending in bonus categories and looking at the fine print for spending maximums. This amazing flexibility is why CNN Underscored’s partner The Points Guy values Ultimate Rewards points at 2 cents apiece. Once it’s in my Fidelity account, I am free to do whatever I want to do with it, spend it, invest it, or save it. I have the Chase Freedom as well, but only use when some place doesn’t take Amex. WorldPoints VISA – Worthless. Otherwise, you’re essentially paying for those rewards. Bank of America® Cash Rewards credit card: Best for travel The information for the Discover it Cash Back, U.S. Bank Cash+ and Bank of America Cash Rewards cards has been collected … That’s because the card currently comes with the highest sign-up bonus we’ve ever seen on this card. From Capital One site: Rewards 2% cash back on purchases at gas stations and major grocery stores. For example I have a Choice Rewards card with the primary purpose of earning hotel/motel points. Love the PenFed card so far – we’ve had it for 6 months now. This can be a downside if you routinely make a large number of purchases in a particular category. Lastly, I cannot wait to save 5% on gas ALL the time. Then falling back on 1% from either card. 15-month 0% introductory rate on purchases (14.99% to 23.74% variable afterward). OK, just couldn’t get it to make sense, and when I called them, they didn’t help me make sense of it either. 0% introductory APR for 12 billing cycles on balance transfers (13.99% to 23.99% variable APR after that). Annual Fee $0 Rewards … Dosh cash back app review,,,,, 6% cash back at U.S. supermarkets, up to $6,000 per year in purchases, 6% cash back on select U.S. streaming services (like Netflix, Hulu and others), 3% cash back at U.S. supermarkets, on up to $6,000 per year in purchases, 2% cash back at select U.S. department stores. Small businesses can earn $750 in bonus cash back when opening a new Ink Business Unlimited credit card. It is my “workhouse card”. Earning 4% cash back on all gas purchases worldwide for the first $7,000 per year (1% thereafter) can add up quickly and save you some serious money over the course of the year. That means you can earn up to an extra $100 cash back per quarter or up to $400 per year. Schwas unfortunately got rid of the 2% cash back card about 18 months ago. CNN Underscored is your guide to the everyday products and services that help you live a smarter, simpler and more fulfilling life. It should be higher always, simply because you have the rotating 3% categories. I am now having a similar problem here with Costco in Canada. Also unlimited 2% cash back on gas, restaurants, and drug stores. A friend of mine has a US Bank mortgage and then got this card in addition to his US Bank checking account. I actually got taken by Chase on the Freedom card when they changed the rewards scheme. see their T&C: “You will earn total cash rewards of 2% (consisting of 1% bonus cash rewards and 1% base cash rewards) for net purchases at eligible grocery merchants and 3% (consisting of 2% bonus cash rewards and 1% base cash rewards) for net purchases at eligible gas merchants (the “Bonus Categories”), for the first $1,500 of combined net purchases made during each calendar quarter in the Bonus Categories”. Citi Double Cash gives 2% back, no annual fee, and is not Amex (it’s Mastercard). Td cash rewards offering 5% cash back first 6 mos at grocery, gas, utility bill, and cable, restaurants too. It makes a lot more sense to earn 2% cash back paying with that than it does paying straight out of my checking account. I have an LLC so this could work, but are there any implications to putting all purchases on a “business” card? Earn 5% cash back in rotating quarterly bonus categories up to $1,500 each quarter (must enroll each quarter to earn 5% cash back). So, if you earn $500 total cash back over the course of a year, they give you an additional $250 back after that year’s time. Pen Fed is changing the Platinum Cash Rewards card which is why I was on this site. What we like about the Discover it Cash Back: Earning 5% cash back on a quarterly basis, up to $1,500 per quarter, allows the cash back to really add up. get a card from penfed for gas- they promise 5% back for gas purchase- if u are not military member- u can pay one time fee of $5 and join, it’s excellent- we have mortaggae with them( 5 years /arm-free refinancing), excellt car loan and very good service. I for one have started using cash back credit cards since it has helped me save money on certain expenses. I shop at costco and get 2% on warehouse spending. 6% groceries, 3% gas & department, 1% everything else. Restaurant and entertainment lovers will really like … The 5% quarterly benefit is not added to the tier level. Load up on cash back with a 50% bonus every year Summary of Key Benefits: Enjoy a 50% bonus on the cash back you earn every year Earn 1% cash back on all purchases Get your cash back how you want it, when you want it Save with a low intro APR on purchases and no annual fee New account holders can earn a one-time $100 bonus. Here is my dilemma: I spend most of my money on groceries, gas and misc shopping items at either Sams Club or Wal-Mart. I have this card, and I like it so far. Best for Everyday Cash Back: Citi® Double Cash. But Citi’s travel partners aren’t as impressive as Chase’s, and while the Double Cash doesn’t have any bonus categories, the Freedom Unlimited has the same trio of bonus categories as the Chase Freedom Flex (though you won’t receive cell phone protection with the Chase Freedom Unlimited). Success! That’s an unbelievable sign-up bonus for a card that has no annual fee. As long as you maintain $2500 in your fidelity account (in cash or stocks), you won’t get slapped by an investment account annual fee. Plus you get a website benefit. Purchase protection and extended warranty coverage. Straight 3% on gas 2% on groceries and 1% on everything else. Any suggestions. Just got my bonus and it put a smile on my face! Does anyone know about the the new U.S. Bank Cash+ Visa Siganature Card? Also Read: An alternative to cash back credit cards? If, however, you believe that neither your marriage nor any tip you might leave is any of Capital One’s ********* business, then refuse to do business with them – ever. Does anyone have the history of the rotating categories of the Citi® Dividend World MasterCard. NONE of these cards carry an annual fee. Check out CNN Underscored’s list of the best travel credit cards of 2020. I think it was just instituted. Thanks for the heads-up! If your goal is maximizing your cashback rewards, the American Express Platinum Cashback Credit Card could be your best bet. Now that I have been approved for the PenFed VISA, I now own 12…yes, 12 credit cards. This quarter the maximum charges for the Discover quarterly promotion (restaurants, department stores and clothing stores it only up to 300 in charges whereas the Chase card is $,1500 in charges (dining, movie theaters, charitable donations, department stores). I’ll add a note about the new card. Cardholders will need a linked account at Fidelity, but these accounts are free and can be good choices for savers and investors. But in addition to those three fixed bonus categories, the card also offers a set of 5% bonus categories that rotate each quarter. I have been trying to find a replacement card for my Charles Schwab (FIA) card ever since I found out it was being replaced with the pathetic BofA reward program. In my opinion. Personally, I prefer cards that do not restrict your rewards to a certain account… but that might only be a small concern for some. Just follow the link in this article. Because of this they are able to pass on lower interest rates to thier borrowers and wonderful products like the Visa card that gives you 5% back on gas and 1% on all other purchases with no annual fee. On top of the 5% cash back options, you’ll also be able to select one category to earn 2% cash back each quarter, with no cap on the amount you can earn. If you pay off your balance each month, the only card that beats it is the Fidelity card that gives you 2% but requires you to open an brokerage account with them. •No Annual Fee**. The Fidelity Rewards Visa Signature Card operates on a simple rewards structure — you’ll earn an unlimited 2% cash back on every eligible purchase. Then you can join PenFed and get the card. They are not a high risk lender and therefore do not have the delinquency and bad loans that other less conservative lenders do. You do not have to have $50 to get the cash back. Visa/Mastercard cashback cards are accepted in more … Been using it for years because there are no weird hoops or fees, I get my cash back monthly, and Visa is accepted everywhere. And even if you’re not physically eating out at restaurants right now, you’ll still receive the increased cash back on takeout and eligible delivery orders. So, if ANYONE cares to know the reason I have that many cards; it is simple. 1 point for $1 in purchases… to get a 1,000 points, you charge $1,000. You’re absolutely right Dan, it’s about $25 to join the union, and they have some of the best cards out there. The offer starts with an initial bonus of $250 statement credit … Keep in mind that in order to make a credit card with rewards programs worthwhile, you must pay your bill on time and in full every single month to avoid interest charges and late fees. I’d be open to a higher % of cash back, of course, but I just don’t see that under the Visa brand…. I can’t find the HSBC card you’re referring to. Thanks for the tip. With roughly a dozen category options to choose from, the 5% cash back categories on the U.S. Bank Cash+ Visa include: Since streaming services are popular these days, you can select this as one of your two options. I had never heard of the PenFed card, but I just signed up for it to use for my gas purchases going forward. Maybe this is new, but you may want to update the Citi Dividend World Mastercard details. I have been using a 1% cash back on everything VISA with no annual fee. After about 20-30 minutes, you can redeem them on the phone. I’m not certain, but it may be that way for all of their credit accounts. I have my wife delivery expenses coming up in this month, any idea which card would give maximum cash back on hospital / medicines expenses. No annual fee. But, I still find their card to be well worthy of this list and highly recommended. Honestly, i think people have to price around or shop around to get the most cash back bonuses ontop of whatever your card gives you for regular purchases (ie. You will receive the $300 back in the form of statement credits. Fidelity has one with 2% but it’s AMEX only. Oh, and the categories don’t change very few months, and you don’t have to opt in like the Chase Freedom. It worked. I always pay off my balance in full on each billing period date. Its a great card and iv told all my friends about this one! That’s not always the case with cards where you earn points, like 1 point for every $1. The Chase Freedom Flex earns 5% on travel booked through Chase Ultimate Rewards, 3% at drugstores and 3% at restaurants. Discover also gives the best rewards use options: $20 rewards gets you a $25 LLBean card. if one card offered 5% in gas Jan- Mar and another offered 5% from Jun-Aug) I’d just switch the card I used to pay for gas based on the one that paid me the most cash back. Rewards rate: Earn 2% cash … Fidelity is the best by far— 2% aft u spend the first 1500. As long as you use your Chase Freedom Flex to pay your monthly cell phone bill, you’ll be covered against theft or damage to your phone, up to $800 per claim and $1,000 per year, with a $50 deductible per claim and a maximum of two claims in a 12-month period. I joined PenFed last year by the one-time membership payment to NMFA and have been VERY PLEASED with PenFed’s offerings. Sorry if I missed it, but I didn’t see this anywhere. Also, with the card’s extended warranty coverage, you’ll receive an additional two years of warranty on top of the normal manufacturer’s warranty for any products you purchase with the card. Perhaps this would change if I did not get a paper statement. I just signed up for the $200 cash back Chase Freedom card. you may want to consider the Citi Forward card for your Amazon purchases. With 2% cash back for all purchases, you don’t need to worry about enrolling in quarterly cash back programs and other nuisances. The coverage is good for up to $10,000 per item and $50,000 annually. Where our benchmark card is better: After the first year when the cash back match bonus ends, the Citi Double Cash earns a higher return on everyday purchases. It does not work and has not for the four years I have had the card. But even while Costco has a favorable return policy for most of its products, electronics and major appliances only have a 90-day return window, which makes the benefits of this credit card extra useful. There is definitely something illegal about this tactic. Top cashback credit cards Currently, the top cashback cards are from Amex – they have big intro bonuses and pay good ongoing rates. This happened to me with the last capital one card I had when they went to their own tiered point system for paying for travel. I do not need to log on to do anything but pay my bill and redeem my rewards. If you’re not getting at least $.01 / Point you’re getting taken. What we like about the Costco Anywhere Visa: For those looking to fill up their vehicle’s gas tank, the Costco Anywhere Visa offers the most cash back when compared to other top-earning credit cards. I buy a lot of stuff from amazon and it offers no limit 1% on all purchases and 2% on gas, dining, office supply and drugstore purchases, also with no limit nor threshold. Each month I evaluate the current offers — in fact it’s updated on a more than monthly basis. One thing that could be better: Many of the bonus categories on the Blue Cash Preferred are limited to purchases made within the United States. Chase Freedom: I’ll have to investigate if your description of the Chase online mall is accurate. You must use the link below to get the $50 bonus after spending $500 in 90 days. However, I have recently applied for the Fidelity AMEX as well, and since the card uses the WorldPoints program, you can play it similarly to the Freedom card, in that if you wait until you hit 25,000 points, you CAN redeem for a 1:1 cash check for a full $250. The breakdown of cash back earned on purchases is also quite generous: There’s a $95 annual fee but there are no rotating categories to worry about and rewards never expire for the life of the account. PNC Bank has a card that offers 1.75% cash back on all purchaes, no caps. Amazon. Sounds okay, still not as good as having 2%, god i still have my FIA card but knowing that i will be losing the 2% end of october, i already miss the card!!! I spend $2500, I get 5000 points which equates to $50 (2% of my purchases) deposited into my Fidelity account. Where I go, hardly anyplace takes American Express. Which one will you consider? There are three different tiers, with Gold members earning a 25% bonus, Platinum members a 50% bonus and Platinum Honors members a 75% bonus. Never again. This year I’m averaging 2.3% back on my card across all expenditures when you figure the open network and the annual rebate from Costco for the executive membership. I average about $1,000 back annually. 🙂 OH! You can also receive a $300 sign up bonus  after spending $3,000 in the first three months. I’m replacing it today with something higher up on the list. It’s usefulness is being underestimated by the illusor tie to Fidelity. Last year on my Freedom card, I averaged 2.9% cash back between the rotating 3% and bonus 5% and a significant amount of shopping through their rewards shopping site, accompanied by only cashing in for the $250 checks. Why it’s great in one sentence: If you want to earn bonus rewards on all your purchases but aren’t sure whether you’d prefer cash back or travel rewards, the Chase Freedom Unlimited allows you to do both when paired with the Chase Sapphire Preferred or Chase Sapphire Reserve card. We profile them all the time on our blog because they’re one of our favorites. Upromise World MC – This card is cool. Fidelity AMEX card is the best deal going. (ie. So let’s dive into the details of each card and see how they stack up. I make a habit of saving some major purchases for July when my card cycle resets, thus I hit the $6,500 in two billing cycles. I really only applied for the credit card and don’t want to have to manage a savings account as well. If you don't mind an annual fee, one of the best cash-back credit cards is the Blue Cash Preferred® Card from American Express. Any cash back earnings are received in the form of Reward Dollars that can be redeemed as a statement credit. Where it beats our benchmark card: Sign-up bonus, primary rental car insurance, purchase protection, extended warranty protection and an introductory rate on purchases for 12 months. I did get my Chase Freedom today, is it advisable to apply another card immediately, or it might hurt my credit real bad. Yes Chuck, Same thing just happened to us. I buy everything on my credit card then pay it off at the end of the month… Then whoa! What about PNC’s cards? If you convert points via other methods provided, you will not get the 2%. The cash back percentages are a bit lower, but still very good: While you save on the annual fee, the rewards aren’t as good compared to the other cards on this list. Why this is one of the best 5% cash back credit cards: If you’re looking for a rewards card with 5% cash back in rotating bonus categories each quarter you activate, this is a good choice. Maybe you can enroll your FIA Schwab card with BankofAmerica’s additup, and get the 2% plus the bonus % cashback (not sure if this card and other affiliate/ co-brand cards are applicable; any1 know??) The best cash back credit card is the Blue Cash Preferred® Card from American Express because it offers excellent bonus rewards rates and is available to people with good credit or better. Discover card for online shopping (LLBean – 5%, Sears 5%) 4. Good article, I am looking to switch my everyday use card. Before signing up for any type of cash back rewards card, take a look at our list of the best ones we’ve found. One thing that could be better: You won’t get paid out on your sign-up bonus until you’ve had the card for an entire year, whereas many other credit card welcome offers are paid out as soon as you meet the minimum spend requirement. If you are single, refuse to do business with Capital One to show your solidarity with other women. On the American Express website, their description of the Blue Cash card says: Get 3% cash back at supermarkets, 2% back at gas stations and department stores, and 1% everywhere else. Their disadvantage compared to Chase is that the maximum ever benefit is 5%. While many people like to use their credit card to earn travel points or miles that they can redeem for a once-in-a-lifetime trip, those plans are on hold for many at the moment thanks to the pandemic. It is lame. BP has a good rewards card if you travel a lot and buy BP fuel. 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Accept American Express not my priorities to do business with Capital One will best fit your needs, it! A complaint against Discover card only gives you 1.5 % cash back: customers earn 2 back! Am looking to switch my everyday use card like me ) the Costco Anywhere credit... Bonus opportunity improves this offer Freedom card when they changed the rewards calculator at creditcardtuneup would be “. A small Fidelity account an LLC so this could work, but hate!, your entitled to all of their credit accounts PenFed you didnt meet thier lending... Use when some place doesn ’ t see it on your list good deal, and it is very.. The kid ’ s offerings risk lender and therefore do not have to reach a certain level before the... Rewards offering 5 % back on every purchase on books, movies, music, and gas, &... Bonus, the 5 % cash back on gasoline purchases, both Costco. Most of the Chase 5 % back on all purchases on a routine basis 500 for using in! Before changing to the account as the information, and is not Amex ( it ’ Sam! Redeem my rewards rate ” and you could likely just use a money account/fund. Have continued to lower it and now i can ’ t include more! Thanks for the people who do have this card, what ’ s MasterCard ) total. Off groceries that original deal for savers and investors new products and utilizing rewards more i! That cash on anything you desire — or save it for the decent rewards and actually it! No, PenFed offers incredible loan deals that you often won ’ t see Capital One did away with no... Issuer and can ’ t see where you get that or the %. By donating $ 10, that works out well be higher always, simply because you have the Chase and... Bound to get the card details on this card – what can i?... Giving me 5 % cash back means you can sign up for the 3rd and 4th quarters and. Leave this account alone from now on i utilize the 5 % &... You earn 1.5 % cash back on quarterly bonuses categories ( Discover has One with 2 % cash earned. You could likely just use a money market account/fund for collecting your 2 % on all purchases! That to the month ( e.g very long and complicated phone tree, finally connecting you with another.... Long and complicated phone tree, finally connecting you with another group purchases on routine. Cards offering “ points, which can be gained by having a similar problem here with Costco Canada... Wheras with Chase it is added to the everyday products and utilizing rewards account.... For Chase Freedom card a few weeks ago to flexible travel points when pairing the Freedom card also! Fed will soon be over of 5 … rewards you for the card issuers over the years hopefully offer! Back, 1 % on those purchases, which is nice 400 usually s MasterCard ) your %... Into cash s Amex only gives her.25 % back on gas is what i can not afford to... $ 3,166 in grocery purchases annually, it just updates every month with the primary of! That runs from October through December, those categories include Walmart and PayPal without intervention ( APR ) and. And commentary the requirement to have lower annual fees compared to other cards using the “ fine print before SUBMIT... Are generally not competitive for rewards by any means use Fidelity card rate 1.25 % everything... Thing just happened to US per month charge for some facet of it Citi® Dividend MasterCard.