topic Re: Looking for a Cash Back Credit Card in Community Chat

Looking for a Cash Back Credit Card

Icegoddess — Wed, 03 Aug 2022 23:11:12 GMT

Since Rakuten (aka Ebates) has announced that they and Synchrony will ba parting ways and they will no longer have a cash back card, I will be in search of a new one. Anybody have any recommendations for a good one that just sends you the cash back once a year rather than having to jump through hoops to use the credits for something?

I do already have a Costco card so something like that. I like to spread my purchases out over different cards thoroughout the month so I can pay smaller amounts throughout the month, but I also need a card to use for paying my health insurance (currently over $1000/mo) and sometime next year Medicare. If I'm paying that much, I oughta get something out of it. I'm certainly not getting any healthcare for it.

Re: Looking for a Cash Back Credit Card

m0rgan — Wed, 03 Aug 2022 23:15:50 GMT

I have a Bank of America Mastercard that is cashback and they deposit the cash in my Bank of America bank account 4 times a year. I also have a discover which is cashback. I credit my bill every month with my cashback.

Re: Looking for a Cash Back Credit Card

snappsmom — Wed, 03 Aug 2022 23:22:20 GMT

I recommend the Pennsylvania State Employee Credit Union credit card, they offer one that gives cash back every month and you do not have to be an employee of the state of Pennsylvania to apply for it, there main number is 800-237-7328.

Re: Looking for a Cash Back Credit Card

Shelbelle — Wed, 03 Aug 2022 23:23:36 GMT

Chase VISA cards, several to choose from, we have 2.

Re: Looking for a Cash Back Credit Card

kaydee50 — Wed, 03 Aug 2022 23:24:05 GMT

I have a Citibank Mastercard and a Capital One Visa. Both give me cash back with no hassles.

Re: Looking for a Cash Back Credit Card

patbz — Wed, 03 Aug 2022 23:24:43 GMT

Medicare cost is usually deducted from your benefit.

Re: Looking for a Cash Back Credit Card

rms1954 — Wed, 03 Aug 2022 23:32:48 GMT

@patbz wrote:
Medicare cost is usually deducted from your benefit.

Huh?

Re: Looking for a Cash Back Credit Card

SilleeMee — Wed, 03 Aug 2022 23:38:43 GMT

I have a PayPal Mastercard. Has 2% cash back on everything you buy with it. You can cash out at any time.

I don't do restaurants or travel so I don't know about those.

Re: Looking for a Cash Back Credit Card

Icegoddess — Wed, 03 Aug 2022 23:44:46 GMT

@kaydee50 wrote:
I have a Citibank Mastercard and a Capital One Visa. Both give me cash back with no hassles.

@kaydee50 I have 2 Capital One Visa's. I used to use one strictly for Business when I had a business. One of them doesn't appear to have anything and the Business one is a Rewards card, but I don't get cash back. I have to figure out how to use the Rewards. Wonder if they would change one to a cash back card.

Re: Looking for a Cash Back Credit Card

qvcfreak — Thu, 04 Aug 2022 00:11:40 GMT

I have Capital One. You can request a check or apply towards your balance or use it to pay when using PayPal and other ways.

I save mine mine until December

Re: Looking for a Cash Back Credit Card

Somertime — Thu, 04 Aug 2022 13:23:28 GMT

I have a Bank America credit card with cash back. You can chose whether you want cash back on gas, food or online purchases. I chose online purchases which is 3% back to me. I can redeem every month if I wish or let it pile up. I can have it put directly into my checking account, apply to my credit card or have a paper check sent to me,

Right now, they are offering $200.00 cash back for opening a credit card. Fantastic offer. I order everything online anyway so it's a no brainer for me!

Re: Looking for a Cash Back Credit Card

RespectLife — Thu, 04 Aug 2022 13:27:32 GMT

Discover

Have had it since 1988 and have gotten LOTS of $$ back.

I also credit my account every time I hit $100.

Their website is easy peasy to either get the money deposited, donate, statement credit etc.

No hoops.

They are also the best CC IMHO.

US based English speaking reps, always stand by the customer when a dispute with a vendor comes up....many other perks.

Re: Looking for a Cash Back Credit Card

lkat — Thu, 04 Aug 2022 14:09:19 GMT

Discover also has 5% cash back bonus every quarter on different things. I think this quarter it's restaurants and PayPal and next quarter it's Amazon.

I have a card that pays better cash back than Discover so I usually use that but I always use my Discover on things if I can get the 5%.

Re: Looking for a Cash Back Credit Card

gidgetgh — Thu, 04 Aug 2022 14:25:04 GMT

Love my Discover card.

Re: Looking for a Cash Back Credit Card

qvcaddition — Thu, 04 Aug 2022 15:59:26 GMT

Amazon chase, Discover card.

Re: Looking for a Cash Back Credit Card

ladyfox412 — Thu, 04 Aug 2022 16:01:30 GMT

We use our Discover card and take the payout on the anniversary of our card. There is an option to credit your account but somehow it's not the same as receiving a big fat check.

Re: Looking for a Cash Back Credit Card

nyc1 — Thu, 04 Aug 2022 16:05:33 GMT

DISCOVER. Have it hooked to my Amazon and use the cash back for many of my Amazon purchases. They have bonus % during the year from various places... big box stores, restaurants, etc. I've had this card for easily 30+ years in addition to my Visa.

Re: Looking for a Cash Back Credit Card

deeva — Thu, 04 Aug 2022 18:29:02 GMT

Both my Chase and American Express cards offer cash back without an annual fee. I have the money sent to my checking account.

Re: Looking for a Cash Back Credit Card

San Antonio Gal — Fri, 05 Aug 2022 06:57:46 GMT

@Icegoddess - I receive cash back on my Citi card and Capital One card. I continually get offers daily from Discover. Discover seems to have more cash back if you purchase certain things. If I was looking for a new card, I'd check out Discover.

Re: Looking for a Cash Back Credit Card

gidgetgh — Fri, 05 Aug 2022 13:01:26 GMT

@San Antonio Gal wrote:
@Icegoddess - I receive cash back on my Citi card and Capital One card. I continually get offers daily from Discover. Discover seems to have more cash back if you purchase certain things. If I was looking for a new card, I'd check out Discover.

@San Antonio Gal - Discover always has cash back of 1%. But then, each quarter, they designate certain categories for 5% cash back. Like sometimes it's gas stations, or or grocery stores or restaurants or If you use PayPal. Or it might be purchases from Target online or whatever. Usually the cash back on the special 5% categories maxes out at $75 in a quarter (though you still continue to accrue regular cash back on everything else.

This quarter it's PayPal purchases and something else, which I forget. I just purchased a new computer from Apple, ordered it online and did the payment through PayPal and will max out the $75 on that.

When I redeem my rewards, usually I will do gift cards as they offer gift cards for values like maybe a $75 Target gift card for $65 or so in points. Always increased values. Or you can use your points on Amazon. You can get true cash back, or apply it to your bill, but I normally go for a gift card or e gift card or spend the points on Amazon. I'm not disciplined enough to let the points build over several months, LOL.