Best cash back, miles or rewards credit card?

[flyer]

The CITI Dividend and AMEX Simply Cash Business Card used to give us 5% cash back on all purchases for years. We’re at between 1-3% on most now. Sad.

I know we’re dreaming in this economy, but since we pay everything off every month, too, we’d really like to find another 5% cash back only card again, since we really don’t need travel or hotel rewards because of our free airline benefits that will flow into retirement.

All of the posts offer great suggestions, and I’ll keep checking in, to see if anyone has heard of any deals I may have missed.

[Kingside]

If you eat out a lot, the CITI forward card gives you 5 “thank you” points per dollar for restaurants. As long as you don’t buy the overpriced stuff the program tries to get you to use points for, and instead get gift cards in $100 increments, that equates to 5% back on restaurant spending.

If you have AT&T bills the Citi AT&T card also gives you 5 thank you points per dollar spent, and thank you points accumulate into one account from different citi cards.

It is hard to keep up with the constant changes in card reward programs, but it is a sad state of affairs that the return on credit card reward program spending exceeds the rate of return you get on savings accounts.

[Kingside]

If you eat out a lot, the CITI forward card gives you 5 “thank you” points per dollar for restaurants. As long as you don’t buy the overpriced stuff the program tries to get you to use points for, and instead get gift cards in $100 increments, that equates to 5% back on restaurant spending.

If you have AT&T bills the Citi AT&T card also gives you 5 thank you points per dollar spent, and thank you points accumulate into one account from different citi cards.

It is hard to keep up with the constant changes in card reward programs, but it is a sad state of affairs that the return on credit card reward program spending exceeds the rate of return you get on savings accounts.

[Kingside]

If you eat out a lot, the CITI forward card gives you 5 “thank you” points per dollar for restaurants. As long as you don’t buy the overpriced stuff the program tries to get you to use points for, and instead get gift cards in $100 increments, that equates to 5% back on restaurant spending.

If you have AT&T bills the Citi AT&T card also gives you 5 thank you points per dollar spent, and thank you points accumulate into one account from different citi cards.

It is hard to keep up with the constant changes in card reward programs, but it is a sad state of affairs that the return on credit card reward program spending exceeds the rate of return you get on savings accounts.

[Kingside]

If you eat out a lot, the CITI forward card gives you 5 “thank you” points per dollar for restaurants. As long as you don’t buy the overpriced stuff the program tries to get you to use points for, and instead get gift cards in $100 increments, that equates to 5% back on restaurant spending.

If you have AT&T bills the Citi AT&T card also gives you 5 thank you points per dollar spent, and thank you points accumulate into one account from different citi cards.

It is hard to keep up with the constant changes in card reward programs, but it is a sad state of affairs that the return on credit card reward program spending exceeds the rate of return you get on savings accounts.

[Kingside]

If you eat out a lot, the CITI forward card gives you 5 “thank you” points per dollar for restaurants. As long as you don’t buy the overpriced stuff the program tries to get you to use points for, and instead get gift cards in $100 increments, that equates to 5% back on restaurant spending.

If you have AT&T bills the Citi AT&T card also gives you 5 thank you points per dollar spent, and thank you points accumulate into one account from different citi cards.

It is hard to keep up with the constant changes in card reward programs, but it is a sad state of affairs that the return on credit card reward program spending exceeds the rate of return you get on savings accounts.

[carli]

We have a Visa credit card attached to our Schwab account (not a debit card), and it gives us 2% cash back. I believe it applies to all purchases, but I haven’t checked the fine print lately. It dumps the cash automatically into our Schwab account monthly. We use the Schwab Visa for everything, except when we remember to use our Costco Amex on gas and dining out to get 4% back on gas and 3% back on dining out. We pay off balances monthly, and this is the best deal we’ve found for our spending habits.

[carli]

We have a Visa credit card attached to our Schwab account (not a debit card), and it gives us 2% cash back. I believe it applies to all purchases, but I haven’t checked the fine print lately. It dumps the cash automatically into our Schwab account monthly. We use the Schwab Visa for everything, except when we remember to use our Costco Amex on gas and dining out to get 4% back on gas and 3% back on dining out. We pay off balances monthly, and this is the best deal we’ve found for our spending habits.

[carli]

We have a Visa credit card attached to our Schwab account (not a debit card), and it gives us 2% cash back. I believe it applies to all purchases, but I haven’t checked the fine print lately. It dumps the cash automatically into our Schwab account monthly. We use the Schwab Visa for everything, except when we remember to use our Costco Amex on gas and dining out to get 4% back on gas and 3% back on dining out. We pay off balances monthly, and this is the best deal we’ve found for our spending habits.

[carli]

We have a Visa credit card attached to our Schwab account (not a debit card), and it gives us 2% cash back. I believe it applies to all purchases, but I haven’t checked the fine print lately. It dumps the cash automatically into our Schwab account monthly. We use the Schwab Visa for everything, except when we remember to use our Costco Amex on gas and dining out to get 4% back on gas and 3% back on dining out. We pay off balances monthly, and this is the best deal we’ve found for our spending habits.

[carli]

We have a Visa credit card attached to our Schwab account (not a debit card), and it gives us 2% cash back. I believe it applies to all purchases, but I haven’t checked the fine print lately. It dumps the cash automatically into our Schwab account monthly. We use the Schwab Visa for everything, except when we remember to use our Costco Amex on gas and dining out to get 4% back on gas and 3% back on dining out. We pay off balances monthly, and this is the best deal we’ve found for our spending habits.

[outtamojo]

[quote=flu]Amex is giving you 2.5% cash back on all purchases???? Like econ prof said, wow….[/quote]

Will Wells Fargo let me buy some CD’s with the Amex?

[outtamojo]

[quote=flu]Amex is giving you 2.5% cash back on all purchases???? Like econ prof said, wow….[/quote]

Will Wells Fargo let me buy some CD’s with the Amex?

[outtamojo]

[quote=flu]Amex is giving you 2.5% cash back on all purchases???? Like econ prof said, wow….[/quote]

Will Wells Fargo let me buy some CD’s with the Amex?

[outtamojo]

[quote=flu]Amex is giving you 2.5% cash back on all purchases???? Like econ prof said, wow….[/quote]

Will Wells Fargo let me buy some CD’s with the Amex?

[Author]

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