There are no credit cards with 3% cash back on everything, at least not forever. The closest you can get is with the Alliant Cashback Visa® Signature Credit Card. ... The Blue Cash Preferred® Card from American Express has an annual fee of $0 intro 1st yr, $95 after.
Purchases at Multiple-Category Stores do not Qualify for Grocery Rewards: As with many cards, the definition of grocery stores used by Bank of America exempts superstores that sell groceries, such as Walmart and Target, as well as convenience stores.
Fidelity® Rewards Visa Signature® Card
It pays out a flat 2% back on every purchase, and has a $0 annual fee.
The Bank of America® Customized Cash Rewards credit card is a solid choice if you spend a lot in at least one of the card's 3% bonus categories and like having the option of switching back and forth, or you spend a lot at grocery stores and wholesale clubs, where you'll get 2% back.
Best Cash Back Credit Cards
Best cash-back cards with no annual fee
| Category | Credit Card | Estimated rewards earned after five years |
|---|---|---|
| Winner | Chase Freedom Unlimited® Card | $2709 |
| Runner-Up | Citi® Double Cash Card | $2213 |
| Best for Rotating Bonus Categories | Chase Freedom Flex℠ | $2647 |
| Best for Online Shopping | PayPal Cashback Mastercard® | $2213 |
The Bank of America® Customized Cash Rewards credit card credit score requirement is 750 at a minimum. That means applicants for the Bank of America Cash Rewards credit card need excellent credit to be approved. A few people report being approved with lower scores but that's not typical.
Bank of America credit cards are either Visa or Mastercard, depending on the card, as Bank of America issues cards on both major networks. There are 12 Bank of America Visa credit cards available, as of January 2021, in addition to 11 Bank of America Mastercard offers.
The Bank of America online shopping category includes purchases made online or with a mobile app from merchants such as Amazon, Apple, Best Buy, Etsy, Groupon, Macy's, Target, Ticketmaster and Walmart. The types of merchants eligible include bookstores, clothing stores, department stores and discount stores.
In a cash back program (like programs from Discover) companies are offering you a percentage back that they simply pay out once or twice a year. ... Forgetting the percentages, having a surprise check come in the mail every now and then is nice. So, at face value, of course it's worth it!
Cash back calculator for calculating 2% cash back earned with rewards credit cards based on your spend. Compare top cash back cards side by side. When a rewards program or credit card is offering 2% cash back, it means that for every $1 you spend you will earn 2 cents ($0.02) in the form of cash back.
Citi Double Cash Review Summary
Citi Double Cash Card has a $0 annual fee and offers two rounds of cash back rewards with every purchase: 1% cash back when you buy and another 1% when you repay Citibank.
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