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In this video we look at the best cash back cards of 2022. All the cards we are going to look at have no annual fee so you don’t need to offset that before you are earning cash back rewards.
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35 comments
Pro fast food advice lol! ๐
For dining, you forgot the US Bank altitude go, 4X on dining no annual fee. And for 5x on travel you could also use the city custom cash, though $500 is low for travel.
Unfortunately, I burned my bridge with Capital One and cannot get the Citi Custom Cash card this year. In a moment of utter stupidity, I got the X1 card before realizing it was shit. I then tried to get the Capital One Walmart card but was denied because that caused me to hit 5/24. I think one of my hard inquiries falls off in Q4 so I might get the Citi Custom Cash before the end of the year. In the meantime, for Q2 Discover has 5% cash back on gasoline. Hopefully Chase Freedom Flex will have 5% cash back on gas in Q3. Hopefully Citi isn't too strict on the 5/24 and will let me get the Custom Cash by Q4.
I looked into the fine print of the cell phone protection plan. It is a lot of paper shuffling and a lot of work. If your phone breaks, you have to take it to a phone repair shop and get an estimate on REPAIR, even if it has been smashed to bits. If you lose your phone, you have to file a POLICE REPORT and send that in with your reimbursement form. All the while, you are without a phone. If you live and work with your phone, you will be out of a phone for weeks, at least.
Man, every single comment has a reply from a What's App scammer. I bet this comment will be replied to by a What's App scammer.
What about the USBank Triple Cash back that doesn't take a 5/24 spot? Earn 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants.
no paypal mastercard mention with it's 3% back on all paypal + 2% flat and 100$ sub and no altitude go mention surprising
nice video & information. just fyi for those who may not know; the Discover it also has rotating 5% categories (in common cats. like gas, groceries, dining/paypal, amzn/mobileWallets. And its a great card in a cashback setup. citi custom cash (CCC) + Chase freedom/flex (CFF) + discover it ==> would have you covered 3% dining & drugstores minimum with the CFF, 5% rotating with the CFF + discoverIT, and then whatever isnt covered by the two rotating cats. the CCC can cover for another 5% category
Don't forget the chase freedom flex and unlimited it's got 3x or 3% on dining.
Pairing the Custom Cash with a 5% rotating for an adaptive synergy was a really good tip I havent heard yet. I have permanent 5% on all the core categories so doesnt help me personally but thats cool to know when helping others pick their cards.
I use a Wells Fargo credit card that gives me 1% cashback on everything to pay for my bills and stuff that I usually put on auto pay. Thinking maybe I should get the Wells Fargo active card to do that now.
The Chase Freedom cards have always been a staple in my wallet ๐ต
Pick 5 custom cash cards – and you are covered everywhere for 5%)))
I have 2 custom cash (restaurants / groceries )
If you are a Sam's Club member, the Sam's Club Mastercard gives you 5% cash back on all gas stations as well as 5% at all charging stations for electric vehicles. Not to mention that Sam's Club sometimes doubles that amount and gives you 10% cash back for gas at random points throughout the year.
I just got invited for the Ollo Optimum with 2.5% cash back on everything with no annual fee and no caps on cash back. I applied and got approved! I think itโs a no brainer if you get the invitation.
I wouldnโt trust Wells Fargo with literally anything. I donโt see how you can look past them defrauding customers.
Your videos are always well made and insightful. Honestly you keep me inspired to post my own finance videos. Please keep posting! Thanks, and have a great day ๐
5% back in chase travels is not saying much. Booking a flight through the airline itself is 2x or even 3x much cheaper. Whats the point of 5% back on a plane ticket for 1k through chase rewards when its 500 or 400 on the actual airlines itself? Way more then 5% back.
We have plat honors with BofA, and my wife and I each have a Customized cash back card, and she just recently signed up for the Susan G Komen card, which is the Customized card. I also got the BofA Premium Rewards card for 2.62% on non-category spending, 3.5% on dining and travel. We shop a lot at Costco, and the Customized card has 3.5% back there, one is set for online shopping, and I think the third one will be gas. We've got to the point where those cards are all that we really need. I have some other cards, but I'm pretty happy with my return rate. I think we average close to 3.5% on all spending.
Big caveat with the WF card is you can only redeem in $25 dollar increments.
I love the Citi Custom Cash. Got it in the beginning of the year and got my $200 bonus after spending $750.
Seems there pushing it hard lately with a new bonus of spend $1k on first 3 mths and get a $300 bonus now. The past two months Iโve received mailers for the new bonus despite already having the card
We use original AMEX Blue Cash (no annual fee) to get 5% on gas and groceries (+ gift cards) and then wife and I have Cash+ and Custom Cash cards locked in to get 5% on most other spend. Use Double Cash, Active Cash and BofA to get 2%/3% on everything else.
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My 3 to go cards citi double cash card 2% on everything , capitol one savor one card covers a lot dinning , groceries , steaming service and entertainment and the citi custom cash card 5% use it on transportation ๐
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I use the Freedom Flex card for dining: 3%
The Amazon Prime Card for Amazon: 5%
My Apple Card for drug stores: 3%
And Wells Fargo Active for everything else: 2%
– I'm thinking about getting the Citi Custom Cash Card for groceries: 5%
*I have the Discover It and Freedom Flex cards on hand for revolving categories: 5%
Max rewards sounds like a rip off. I have 12 credit cards. I can do it on my own
The Walmart card with capital one is a downgrade from where it was at with synchrony. You used to get a sign up bonus and 5% all the time…not required app and not required first 12 month only but always
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I think sofi credit card is better then wells fargo card
So for non category spend you like the Wells Fargo. I like the Quicksilver 1.50 vs 2 but the 1.5 has been around a lot longer, Quick Silver invented
the flat rate cards like Chase Freedom unlimited copied off of Capital one Bank Of America there new card they copied off Capital Quick silver
yeah non bonus I would use Capital one if I had there cash back card.
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Alliant Signature Card: 2.5% back on all purchases up to $10K. No annual fee.
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