Anonymous
Post 07/13/2025 17:31     Subject: Best cash back credit card?
Anonymous wrote:
Anonymous wrote:Fidelity. You have to deposit the cash back into a Fidelity account though.


This is the best one if you have a Fidelity account, as it's the only one with no foreign transaction fee. If no Fidelity account, probably Citi Double Cash is your best bet, but it has foreign transaction fee of 3%.

Don't get Amex or Discover if you want to use outside the US- acceptance is pretty limited.


We spend a lot abroad, so I don’t think the Citi one would work.
Anonymous
Post 07/13/2025 17:29     Subject: Best cash back credit card?
Anonymous wrote:OP unless you can really utilize the Sapphire Reserve perks/credits, I'd cancel one your CSR cards as you suggested, and downgrade the other one to Sapphire Preferred. It has most of the same nice travel insurance protections, no exchange fee, and ability to transfer points to partners.

For your "simple card", if you like the Chase points and use them well, instead of canceling the 1st Reserve, downgrade it to Freedom Unlimited and earn 1.5 Chase points on every dollar. Make each other authorized users on each card, and you can pool all the Freedom Unlimited points into the Sapphire Preferred "bucket".

But if you just want cash, one of the 2% cards listed above will work fine.


Thanks, i will think about this.
Anonymous
Post 07/13/2025 13:29     Subject: Best cash back credit card?
Anonymous wrote:I have an Amazon card that I use just for Amazon purchases.


Make sure to always pay on Amazon using the card and not using points. Then log in and use the points to pay the balance on the card. That way you get points on the purchases covered by points.
Anonymous
Post 07/13/2025 13:19     Subject: Best cash back credit card?
OP unless you can really utilize the Sapphire Reserve perks/credits, I'd cancel one your CSR cards as you suggested, and downgrade the other one to Sapphire Preferred. It has most of the same nice travel insurance protections, no exchange fee, and ability to transfer points to partners.

For your "simple card", if you like the Chase points and use them well, instead of canceling the 1st Reserve, downgrade it to Freedom Unlimited and earn 1.5 Chase points on every dollar. Make each other authorized users on each card, and you can pool all the Freedom Unlimited points into the Sapphire Preferred "bucket".

But if you just want cash, one of the 2% cards listed above will work fine.
Anonymous
Post 07/13/2025 13:12     Subject: Best cash back credit card?
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:Fidelity. You have to deposit the cash back into a Fidelity account though.


This is the best one if you have a Fidelity account, as it's the only one with no foreign transaction fee. If no Fidelity account, probably Citi Double Cash is your best bet, but it has foreign transaction fee of 3%.

Don't get Amex or Discover if you want to use outside the US- acceptance is pretty limited.


People say this all of the time and my Amex has never been turned away when I have traveled internationally.


Was in touristy parts of Italy and France couple of years ago- beaches, lakes, nice mountain areas. In Italy probably 25% of places took Amex, not even chains like Carrefour. In France probably 1/3 of places took Amex. In Paris it was probably 50% of places took it. In UK was more accepted maybe 75%? I think because it's more common for people in the UK to have Amex than mainland Europe.
Anonymous
Post 07/13/2025 12:59     Subject: Best cash back credit card?
Anonymous wrote:
Anonymous wrote:Fidelity. You have to deposit the cash back into a Fidelity account though.


This is the best one if you have a Fidelity account, as it's the only one with no foreign transaction fee. If no Fidelity account, probably Citi Double Cash is your best bet, but it has foreign transaction fee of 3%.

Don't get Amex or Discover if you want to use outside the US- acceptance is pretty limited.


People say this all of the time and my Amex has never been turned away when I have traveled internationally.
Anonymous
Post 07/13/2025 12:59     Subject: Best cash back credit card?
I just got Amex Blue Preferred
6% on groceries
3% on gas
3% on transit
Anonymous
Post 07/13/2025 12:23     Subject: Best cash back credit card?
I have an Amazon card that I use just for Amazon purchases.
Anonymous
Post 07/13/2025 12:18     Subject: Best cash back credit card?
Anonymous wrote:Fidelity. You have to deposit the cash back into a Fidelity account though.


This is the best one if you have a Fidelity account, as it's the only one with no foreign transaction fee. If no Fidelity account, probably Citi Double Cash is your best bet, but it has foreign transaction fee of 3%.

Don't get Amex or Discover if you want to use outside the US- acceptance is pretty limited.
Anonymous
Post 07/13/2025 12:13     Subject: Best cash back credit card?
Citi 2% card
Discover - rotating 5% categories
Amex. - 3% gas, groceries, online retailers
Chase - 3% restaurants, drug stores, 5% rotating categories
Anonymous
Post 07/13/2025 11:01     Subject: Best cash back credit card?
I like Discover, and it's accepted in most places.
Anonymous
Post 07/13/2025 10:58     Subject: Best cash back credit card?
Multiple banks have 2% cards.

I have one from Wells Fargo. It's fine.
Anonymous
Post 07/13/2025 10:56     Subject: Best cash back credit card?
Fidelity. You have to deposit the cash back into a Fidelity account though.
Anonymous
Post 07/13/2025 10:42     Subject: Best cash back credit card?
I have been using Chase Sapphire Reserve, but with the changes and $800 annual fee I just can’t see the value any more. I think I will transfer my points to my wife (who books a lot of travel so will keep hers) and get a new card. What is the best simple one for cash back? I don’t have the energy to be using different cards and optimizing everything.
Thanks!