I’m trying to decide on the best cash back card for my everyday spending. I like cards that give consistent rewards across categories, but I’m also open to rotating categories if the cash back rate is worth it. What are some of your favorite cash back cards?
I’ve been using the Citi Double Cash® Card for a while now. It’s super simple — you get 2% cash back on everything: 1% when you make a purchase and another 1% when you pay it off. No need to worry about rotating categories.
@Porter
I like that simplicity. Do you find the 2% cash back adds up quickly?
Dare said:
@Porter
I like that simplicity. Do you find the 2% cash back adds up quickly?
It definitely does! I use it for everything, and the rewards pile up faster than you’d think. No annual fee, either, which is a bonus.
@Porter
No annual fee is a huge plus for me. I’ll check it out!
The Chase Freedom Flex® is my go-to. The 5% on rotating categories is awesome if you can plan your spending. Plus, they offer 5% on travel booked through Chase and 3% on dining and drugstores.
collin said:
The Chase Freedom Flex® is my go-to. The 5% on rotating categories is awesome if you can plan your spending. Plus, they offer 5% on travel booked through Chase and 3% on dining and drugstores.
I’ve heard good things about Chase Freedom Flex®. How easy is it to keep track of the rotating categories?
@Dare
It’s pretty easy. Chase lets you know ahead of time, and you just activate the categories. I usually find they’re in places I spend money anyway, like gas or groceries.
collin said:
@Dare
It’s pretty easy. Chase lets you know ahead of time, and you just activate the categories. I usually find they’re in places I spend money anyway, like gas or groceries.
That sounds manageable. I like the idea of getting 5% on key categories.
For me, the Wells Fargo Active Cash® Card is the best for flat-rate rewards. You get 2% cash back on everything, and there’s no annual fee. It’s been perfect for everyday use.
Baylen said:
For me, the Wells Fargo Active Cash® Card is the best for flat-rate rewards. You get 2% cash back on everything, and there’s no annual fee. It’s been perfect for everyday use.
I’m leaning towards a flat-rate card like that. Do you ever feel like you’re missing out on higher cash back in specific categories?
@Dare
Not really! The consistency makes it worth it. I don’t have to worry about which card to use where — it’s 2% across the board.
Baylen said:
@Dare
Not really! The consistency makes it worth it. I don’t have to worry about which card to use where — it’s 2% across the board.
That’s definitely appealing. It sounds like a stress-free option.
I use the Blue Cash Preferred® Card from American Express, and it’s been great for my family. You get 6% cash back on groceries and streaming services, which is a huge help for us.
JosephGeorges said:
I use the Blue Cash Preferred® Card from American Express, and it’s been great for my family. You get 6% cash back on groceries and streaming services, which is a huge help for us.
That’s a high rate on groceries! Does the annual fee feel worth it?
@Dare
Definitely. The 6% back on groceries more than covers the $95 annual fee for us. If you spend a lot in those categories, it’s worth it.
JosephGeorges said:
@Dare
Definitely. The 6% back on groceries more than covers the $95 annual fee for us. If you spend a lot in those categories, it’s worth it.
I do spend quite a bit on groceries, so that might make it worth it. I’ll consider it!
If you’re a PayPal user, the PayPal Cashback Mastercard® is awesome. You get 2% cash back on all purchases, and 3% when you use PayPal.
Florian said:
If you’re a PayPal user, the PayPal Cashback Mastercard® is awesome. You get 2% cash back on all purchases, and 3% when you use PayPal.
I use PayPal pretty often. Do you find the 3% on PayPal makes a big difference?
@Dare
It really does. Almost every online purchase I make is through PayPal, so I’m getting 3% back on a lot of things. Definitely worth it if you’re a frequent PayPal user.