I would appreciate any suggestions offered. This is pretty straightforward in terms of points-based cash back programs. Thus, for instance, a more hotel emphasized bonus might be more valuable to you than a flights emphasized bonus, etc. One CATCH, Walmart is the largest retailer of groceries in the World, but AMEX does not recognize this and will only give you 1.25% back. You will receive the $300 back in the form of statement credits. You generally can’t find good cash back deals at warehouse stores because the prices are generally lower per unit. If your goal is maximizing your cashback rewards, the American Express Platinum Cashback Credit Card could be your best bet. There is definitely something illegal about this tactic. The 5% quarterly bonuses are often similar with Chase and Discover and each program requires that the customer sign up for each quarterly benefit. Although not as “flashy” as some of the offers in this article, I have been very happy with the PNC CashBuilder® Visa® Credit Card (formerly National City Bank Cashbuilder Visa). I contacted them and they said they had no record of the transaction and would not give me the points that I earned by shopping through the “Rewards Mall.”. Earn 2% cash back at grocery stores and wholesale clubs. Extremely helpful article as I am looking for a new everyday use card. And if you have good credit, the APR is 12.99%, but 0% for a year! You’re better off with a straight 2% cashback card like the Fidelity Amex. It looks promising, but I wanted to see if anyone out there as had any experience with this card. But for many people that may be a point of interest. Since joining, I have been using the PenFed VISA Platinum Cashback Rewards Card for nearly 100% of my credit purchases. 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. 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. At the very top of Fidelity’s offer page it says, “Turn 2% of purchases into a deposit in your eligible Fidelity account.” There should be no confusion. The “Fidelity Investment Rewards” American Express card can give a 2% cash back return, which can be redeemed $50 at a time. Citi Hilton HHonors VISA – See above except apply to Hilton hotel family. I’d be open to a higher % of cash back, of course, but I just don’t see that under the Visa brand…. And if you decide down the line that you’d prefer travel rewards to cash back, you can pair the Ink Business Unlimited with the premium Ink Business Preferred (or alternately, the personal Chase Sapphire Preferred or Chase Sapphire Reserve) and convert your cash back to travel points, then redeem the points for travel or transfer them to any of Chase’s 13 airline and hotel loyalty partners. I think she was referring to the promotion % for the first 6 months. I always pay off my balance in full on each billing period date. Getting 2% on those. Rewards. thanks. 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). There are also a few other perks. That includes looking at spending in bonus categories and looking at the fine print for spending maximums. 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