I keep things simple with four cards that I think give good rewards without being a hassle to manage.
AAA Daily Advantage - $280 cashback per year
Chase Prime Visa - $990 cashback per year
Citi Custom Cash (x2) - $520 cashback per year
Venture X - About $1800 in travel points per year
This doesn’t include sign-up bonuses.
I’ve checked out other cards, but if they give me less than $200 a year, I just don’t see the point. What’s the lowest amount of cashback or points you’d need to make a card worth signing up for? Would you go for one if it gave you $200 a year? What about $100?
I’ve been thinking about getting the AAA Daily Advantage card, but I keep hearing bad things about the bank behind it. How long have you had it? Any issues?
Right now, I just use the Wells Fargo Active Cash for a simple 2% back…
@Fifer
Just get it. I waited too long because people kept saying Comenity was bad. I got the card in May and it’s been easy to use, just like any other bank’s app.
Some say you should use the Bread Financial app instead of the website login for a better experience.
I haven’t needed to call customer support, so can’t speak on that, but for 5% at grocery stores and 3% at wholesale clubs, it’s been worth it.
@Fifer
Had it for a while, and the app makes things super easy. No issues with the bank at all. Highly recommend. One of the few cards that gives more than 2% back at Costco!
@Fifer
Only a few months in, but no issues so far. I mainly wanted a card that gives better than 2% at wholesale clubs, and the 3% gas and 5% groceries were just a nice bonus…
When I applied, I got the 10-14 day review notice, but it was just for ID verification. They gave me a decent credit limit, and cashback posts as soon as the transaction clears, which is nice.
These are all solid cards. Surprised you’re not getting more from your AAA Daily Advantage—it should be one of your top earners. If you want to keep things simple, I think you’re already at the point where adding more cards won’t make a big difference.
I’ve watched tons of YouTube videos and read credit card sites, and nobody ever talks about how much money you actually get back. They just say ‘get 3-5% in your top spending categories’—which usually means groceries, gas, dining, and travel—plus a 2% card for everything else.
@Hutton
That’s because those YouTubers make money off referral links for Amex, Chase, and Capital One. If they were honest, they’d recommend a bunch of cards that don’t pay them commissions.