Best Reward / Cash Back Credit Cards

Best Reward / Cash Back Credit Cards


No, CapOne does not allow changing CA limit on any of their cards, and in my experience the automatically assigned CA limit is 30-50% of CL. They’ll also tell you that a transaction won’t process as CA unless you supply the CA PIN, but this is false. ~5 years ago I was charged a CA fee for purchasing Amex GCs (directly online), even though my purchase amount exceeded my CA limit. I believe it went through as a purchase and was re-coded as CA after it posted. IIRC they reversed the fee after I wrote a strongly worded letter (with multiple arguments, one of which was that the transaction should have been declined because it exceeded my CA limit), but I’ve stopped using their cards for such purposes.


Thanks, scripta. Yeah, as I signalled in my edit, above, there are simply too many unfavorable reactions online to Capital One for me to go forward with their CC products. I already got bit at NFCU. That was enough for me. AA spoils my fun.

I’m currently operating eleven cash back cards, pushin’ 'em hard each month, all without any AA (or BS) whatsoever. I can live without Quicksilver. “Pigs go to slaughter.”


Sure. Read scripta’s post. It is in the nature of the “purchases” I make that some banks seek to consider them cash advances. Else a card issuer will accept the “purchase” as a purchase but not award me the reward I deserve and have earned (NFCU). I had another card where the card issuer simply declined my “purchases”, a totally fair action on the issuer’s part in my view.

Such stuff as all that is the exception. Most often there is money to be made. But not always. After reading about scripta’s experience, and reading other negative reports elsewhere online, I realize Quicksilver is not a CC I want. There are other fish in the sea.


They’re just fine for regular spending. I think QuickSilver is the best no-AF card for foreign travel (no AF, no FX, 1.5% CB). Cap1 also has a few cards with pretty good signup bonuses if you don’t mind the triple inquiry.


I concede that is entirely possible. I know VERY little about regular spending . . . . have scant experience.


When you eventually run out of new cards to apply for and 1.5% back would still make you money, it makes sense to apply for Capital One Quicksilver and just test the waters for a month or two. But I would put it at the bottom of my list for sure.


I received the Amex Everyday Blue Cash card about a month ago, hit the $1K spend today and the $150 credit shows in my account.


Well, looks like I might miss out the 3 month promotion window for WF Propel card since the medical procedure keep delaying. Now I’m looking for a replacement sign up bonus card. Got an offer for 100k point for a Merritt Bonvoy card today, any feedback on it? It’s $95 annual fee though. What else should I consider?


They’ve been doing a 100k sign up bonus off and on for years, but each point today is worth a LOT less than it was in the past. Back when I traveled a bunch 3+ years ago, I looked into that card and it was barely a good deal then. I can’t imagine its a good deal now.

This question is really hard to answer unless you let us know which cards and signup bonuses you aren’t eligible for.


slickdeals still offers a $125 bonus for getting the Amex Blue Cash Everyday card.

$150 statement credit with $1,000 spending within the first 3 months.

0% APR on purchases for 15 months.


How might I take advantage of this? What can I buy that is easily convertible to cash for the same as purchase price so I can carry the balance for 15 months at 0%?


The card pays 3% cash back at grocery stores. You can put your grocery bills on the card.


Well, I think I qualify for most card however I don’t want the hassle of applying for a business card.

The timing is still iffy so I’m looking at Discover IT which supposedly double all earning for the first year. May not be the best sign up bonus but that give me a lot of time. it also make a good everyday card to compliant my Freedom card for the 5 % category.


I’m about 8 months into my first year of the Discover miles card.

The good:
Their customer service is as good as Amex was 5 or 6 years ago - All U.S. based and all that I’ve dealt with seemed to be native English speakers.
There haven’t been any screw-ups with points.

The bad:
The card is not as widely accepted as Visa, MC, or Amex. Even when websites display the Discover logo, they may not accept the card (just found this out last night).
Other than doubling the 1.5% reward for the first year, there are practically no benefits (price protection, rental car ins, etc.)

If there is no fee for the card, I will keep it and use it when convenient. However, it will not get the usage that it’s getting for the first year.


That’s very true…within the past year, Discover removed all the benefits, like extended warranty, purchase protection, etc…from their cards…


Agreed about the benefits going away. The Discover Miles card gets $30 of onboard wifi each year, but that benefit ends March 31. The Miles card then becomes a keeper only to maintain average age of accounts. And oh yearh, they are replaced all cards now with ones that have really pretty pictures on them.

That said, the effective 3% first year worked extremely well for me without a hitch. And Player Two is wrapping up her first year of 3% soon and we paid a lot of taxes and such with hers. The points are there and we will be glad to see the money.

If anyone intends to get a Discover card, please message me for a referral link. You’ll get $50 extra, as will I.


I’ve had a Discover card since they were the only ones to give cash back. Now, most everyone else beats them in everyday cash back percentage. I use it mainly for the 5% quarterly rewards, along with the Freedom card. Usually, they don’t overlap rewards. This quarter the Discover 5% is for groceries. Next quarter is 5% off gas.

Edit: I took out the bit about ShopDiscover, as that was cancelled as of October 2018. My bad.


The Navy Federal Signature Visa offer is back - $500 cash after a $4000 spend in 90 days. The same deal last fall worked fine for me. Membership eligibility is pretty wide open as long as you can document in some plausible manner that someone in your extended family was in the military (e.g. your deceased grandfather was in the Army in WWII).


Citi closed my Dividend card which I have had since 1999 for inactivity and they want to do a hard pull on Equifax to reopen. Is that worth it? Have 3 or 4 other cards with Citi, also have other cards that go back to the late 90s / early 00s, and plenty of credit on 15-20 cards total.


You are correct.

I learned the hard way, Capital One is a pain in the ass to deal with. I plan on spending the amount to get the sign up bonus, then it will sit unused until I cancel it before the annual fee.

The Spark card was my first and last Capital One card. Horrible experience.