What 5% Cash Back Cards Am I Missing?

Currently have the following and wondering if I am missing out on any other good cards for cash back specifically?

  1. Discover IT 5% cash back (rotating categories)
  2. Chase Freedom Flex 5% cash back (rotating categories)
  3. USAA 5% cash back for gas (up to $2000/year)
  4. CITI Custom Cash 5% cash back for tolls (going to see if this works soon)
  5. Verizon VISA 4% cash back grocery + Restaurants/take-out (no limits)
  6. PayPal MasterCard 3% cash back when used through PayPal
  7. Amazon VISA 5% cash back for all orders through Amazon
  8. CITI DoubleCash 2% cash back for things that do not fall into a 5% cash back bucket
  9. Capital One Quick Silver - 1.5% cash back and no FTF for INTL travel
  10. Apple Card - 2% cash back or more for the Apple Store/purchases
  11. USAA Signature VISA - 1.5% cash back - no FTF backup card

Have not applied for any credit card in the last year until recently on Jan 1, 2025:

  1. Recently applied for US Bank Cash+ 5% cash back on utilities, waiting on approval.

Chase Ink Cash. You get 5% on Internet, phone, cable (most streaming services code as cable as well), and office supply stores where you can buy gift cards.

Rudy said:
Chase Ink Cash. You get 5% on Internet, phone, cable (most streaming services code as cable as well), and office supply stores where you can buy gift cards.

Unfortunately, internet and phone companies often charge more to pay by credit card. Gift card trick is gold though, plus sign-up bonus.

@Haze
For AT&T, I’m only required to have a checking account set to autopay to get an autopay discount, but I manually pay with the Ink Cash instead for the 5% back.

Rudy said:
@Haze
For AT&T, I’m only required to have a checking account set to autopay to get an autopay discount, but I manually pay with the Ink Cash instead for the 5% back.

Hmmm, I have Cricket, which is basically budget AT&T, so maybe I need to check again. For internet, I have Verizon, and they charge you $60 instead of $50 if you pay by credit card vs ACH.

@Haze
Verizon phone line? I pay for my mom’s Verizon Internet. It doesn’t charge her extra. The same for my internet with Xfinity.

Rudy said:
@Haze
Verizon phone line? I pay for my mom’s Verizon Internet. It doesn’t charge her extra. The same for my internet with Xfinity.

No, Verizon Internet.

Rudy said:
Chase Ink Cash. You get 5% on Internet, phone, cable (most streaming services code as cable as well), and office supply stores where you can buy gift cards.

The Cash+ has internet, phone, and cable covered plus other utilities.

Just a heads up, USBank Cash+ is changing its program:

Effective April 14, 2025, grocery store and supermarket purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs will only earn 1% cash back. Gas station and electric vehicle charging station purchases at discount stores/supercenters, wholesale clubs, and grocery stores/supermarkets will only earn 1% cash back.

US Bank Cash+. Most use it for 5% off utilities. I have it set for that and for internet/streaming, so I get 5% back on my electric, propane, Xfinity, Spotify, SiriusXM, and Apple subscriptions.

Edit: Didn’t see you already applied for it.

@Chancey
Just a heads up, Xfinity gives a bigger discount if you autopay from a bank account as opposed to a credit card.

Shawn said:
@Chancey
Just a heads up, Xfinity gives a bigger discount if you autopay from a bank account as opposed to a credit card.

You get the best of both worlds by setting up autopay with a bank then making a manual payment to the Cash+, that’s what I do every month.

@Chancey
Nice. I’ll have to give that a try. Wonder if that’ll work for Verizon.

Shawn said:
@Chancey
Nice. I’ll have to give that a try. Wonder if that’ll work for Verizon.

Definitely works for T-Mobile, but I switched myself and family off T-Mobile and Verizon to US Mobile. Same networks (you can choose which you want, per line), far less cost.

Shawn said:
@Chancey
Nice. I’ll have to give that a try. Wonder if that’ll work for Verizon.

Definitely works for T-Mobile, but I don’t think it does for Verizon.

Boa CCR with 100k at Merrill.

US Bank Kroger family of cards is 5% on 3k spend for mobile wallet, and another 5%/3k for Kroger Pay.

Matthew said:
US Bank Kroger family of cards is 5% on 3k spend for mobile wallet, and another 5%/3k for Kroger Pay.

Wait, the caps are independent on one card?

Kade said:

Matthew said:
US Bank Kroger family of cards is 5% on 3k spend for mobile wallet, and another 5%/3k for Kroger Pay.

Wait, the caps are independent on one card?

It’s two separate spend categories, each with their own spending caps.

5%/3k Kroger Pay applies to Kroger Pay only, which is scanning the QR code in-store and then it directs you to the Kroger app to finish paying.

Then there is another 5%/3k for mobile wallet by tapping your phone or watch to whatever terminal at any store that accepts mobile wallet.

PayPal debit for 5% cash back in a limited options of categories.

US Bank Cash+ for 5% on utilities and another category of your choice like phone bills.

Fidelity Investments Visa for 2% cash back with no foreign transaction fees that comes with other benefits like Global Entry/TSA PreCheck to replace the Capital One Quicksilver.

AAA Visa cards where you can pick one of the options available. You don’t need to be a member of AAA for the cards.