CCGuy88 wrote:So I'm looking for something probably with a $0 AF, nice cash back rewards, and nice signup.
Don't just consider AF/no AF. Determine your biggest spend categories (including noncategory) and find cards that maximize rewards on that spend. Run the numbers for your spend. If you're looking at point/miles programs then look past just the earn rates and consider redemptions. Determine how the redemption methods you can use impact rewards value.
CCGuy88 wrote:I've found 3 (and please if you find any better, feel free to post):
- Chase Ink Cash Business card
- Amex Bluecash Everyday
- BankAmericard Travel Rewards® Credit Card
How/why did you select these 3? "Better" is always highly subjective, regardless of topic. It's not just about the cards. It's about you and what suits you best.
Are office supply stores, cell phone, landline, internet and cable TV one of your biggest spend categories? Does the BCE yield you more rewards than the BCP for your spend?
Keep in mind that the UR points that the Freedom and the Ink Cash accrue are generally worth more when transferred and redeemed via travel partners. However, as stated above, the Freedom and Ink Cash cannot transfer.
CCGuy88 wrote:Not particularly. Pretty much the cheapest flight.
In that case, cash back cards are probably a better fit for you generally.