Every Credit Card that Earns OVER 2% Cash Back on ALL Spend – The Credit Shifu

by YouTube Team

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Hey Credit Warriors welcome to the show and in this video we are going to talk about the best credit cards for cash back on non-category spend. Now the 2% cash back rate in this category is kind of the gold standard, but I want to go beyond that and show you a selection of credit cards that actually earn a higher level of cash back rewards. If you like the sound of this why not hit the like button, and subscribe to the channel if you are new.

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21 comments

Spencer Johnson May 30, 2022 - 10:40 pm

I absolutely loved this video. I am excited for the day when I have that much money invested as I could be earning even higher cash back with that company loyalty with either BofA or Fidelity. I do wish they would make the Fidelity card look a bit more higher end, however.

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John Kim May 30, 2022 - 10:55 pm

Surprised you didn’t include the Discover miles card which is 3% for the first year. I know people who constantly get a new Discover card account every year and maintain 3% cash back year after year.

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D H May 30, 2022 - 10:55 pm

One and done: BoA Premium Rewards. Add a Cash Rewards or two as well and you're golden.

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SamsungLG May 30, 2022 - 11:16 pm

3x on mobile software is genius bc the the apps provide an extra layer of protection for card readings 👮🍻🤑

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Sam Diaz May 30, 2022 - 11:17 pm

I was planning on applying for the save wealth credit card but one concern I thought of; if I cashed out on the investment by the end of the year, would I owe tax on that amount? if so, maybe 2% cashback is more beneficial

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Rosette Jones May 30, 2022 - 11:37 pm

I am a credit warrior!

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Rosette Jones May 30, 2022 - 11:42 pm

I thought that alliant card might have added an annual fee as well…counbase debit card appears cool

But the save wealth card…almost…but can't…26k income

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News Now Adirondacks Redux May 31, 2022 - 12:02 am

The point or cash is one thing. Transfer partners of those points is another.

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Mao Work Shen May 31, 2022 - 1:23 am

I wonder if Sebby still owns the USB-AR card?

He didn’t spend much but got retention offers so kept this card nut not sure if still owns it?

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Kazi May 31, 2022 - 1:41 am

🔥🔥

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Bernie Tong May 31, 2022 - 1:55 am

use coinbase debit card 4% cashback in crypto all purchases. Crypto could easily 2-3x when btc resumes a bull market so it could actually be a 10-30% cashback card on all purchases. if you want 8% cashback all purchases, you can get the binance debit card then turn the bnb into cash.

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jonathanNYC May 31, 2022 - 2:07 am

Over 30 and have $100,000 Invested?! Who are you hanging out with? Harvard Alum's? sheesh!

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Vibes Addick Entertainment May 31, 2022 - 3:51 am

Sofi card upgrade me from 2% cash back to 3% on everything and my apple card give me 2% on everything.. No annual fee n pre approve 🔥🔥

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Mandar Joshi May 31, 2022 - 3:54 am

Great video! X1 card deserves a mention here. If you spend more than $15000 on this card in a year, you get unlimited 3x points on all purchases in that year. On referrals, you get 4x back for a month!

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Oroborus May 31, 2022 - 4:59 am

The problem I'm encountering with cards these days are they (1) restrict you to redeeming $25 or more or even in $25 increments, (2) force you to get a checking account with them to redeem for cash, (3) they can take a surprisingly long time to send you the money you've earned.

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MrPotato May 31, 2022 - 6:17 am

The Fidelity card is somewhat enticing since I do prefer their financial product offerings over other brokerages. And while I do appreciate the simplicity of cash back … I see more value from points with citi trifecta or chase trifecta. The Coinbase card is compelling with 4% but wtf are Graph and Lumens? Is there an option to auto convert to usd or stablecoin? If I have to manually convert them it’s no longer the “simple” option and I may as well go for points which is effectively what those cryptos are to me anyway. Lastly, customer service, benefits, and purchase protection is what I care about most. So I couldn’t bring myself to use any of these. Not worth the hassle.

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Rounak Sethia June 1, 2022 - 1:56 am

@Ben Hedges  you forgot paypal credit card it earns 3% with PayPal payment. Can we use this card to pay rent?

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Roylee June 1, 2022 - 2:45 am

i got the AOD FCU signature card which is 3% all purchases with very little strings attached

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Money Host - Invest with Emon June 1, 2022 - 5:42 pm

I like the BoA Unlimited no Annual fee card. Its been my catch all card for past 3 years and last year I earned $2202.00 in cash back from this card.

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Acidtrip6969 June 2, 2022 - 1:32 am

STOP PROMOTING " STABLE COINS " ITS A SCAM

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carlos Zach June 2, 2022 - 1:57 pm

The best decision I ever made in life was investing in financial markets. Trust me guys it pays a lot. And I've come to realize that trading Bitcoin is more profitable than holding it and wait for it to skyrocket.

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