I’m spending around $10k-$20k a month on pretty much everything—utility bills, groceries, regular day-to-day stuff. I’m looking for a credit card with the best long-term cash back return that’ll give me the most bang for my buck. I want something reliable for the long haul, not just a quick promo. Any recommendations for cards that’ll give me the best overall return?
I’m a fan of the Fidelity Visa—2% cash back and no foreign transaction fees. Plus, I do all my investing with Fidelity, so it’s super convenient having everything in one app.
You pretty much can’t lose with the US Bank Smartly+ card if you drop $100K into an IRA or brokerage with them. You’ll be getting 4% cash back on everything. I currently spend about $10K a month on my BofA Premium Rewards Elite card and get around 2.625-3.5% back, but I’m probably gonna switch to US Bank when that card drops.
chase freedom unlimited especially if you have any of the other UR cards you can combine the point s
You should always shoot for at least 2% cash back since there are a bunch of no-fee cards that offer that. If you wanna get more into it, you can add cards that give 3-5% on specific stuff like groceries, gas, restaurants, and travel. The Capital One SavorOne is solid for grocery and dining, and Wells Fargo is good for travel…both with no annual fees. AAA and Amex also have popular everyday cards. If you’re just starting out, stick with those before moving to cards with higher annual fees and extra perks.
For starters, just grab a 2-3% catch-all card. I’d recommend getting a solid 2% card and then picking up an extra one like the SavorOne or Amex BCE to rack up even more cash back. This way, you’ll maximize your rewards without dealing with any fees, and it’ll cover most categories…
USBAR + catch all. Maybe 2.5% Alliant CU ?
Like others have mentioned, I’d go for the US Bank Smartly+ along with the best flat-rate card you can get, which is probably the Alliant 2.5% flat. You might also want to grab a dining card like the Altitude Go for when you need to hand over the card. But honestly, having that $100K in the US Bank Smartly+ would probably be the best move overall!
You’ve basically got three options: a 2% flat cash back card like the Fidelity Visa, a 3% flat cash back card like the Robinhood Gold card, or a 4% flat cash back card like the upcoming US Bank Smartly card. Personally, I’d get on the waiting list for the US Bank card…that’s the route I’m taking. Right now, the Fidelity card is my go-to catch-all.