sweeper wrote:So i am looking for a credit card with no AF and my expenses should be anywhere from $2,000 + a month.
Definitely consider total cost versus benefit instead of just being AF averse or you run the risk of missing out on cards that might suit you. As indicated above, no one card will offer maximum rewards for all your spend so you need to determine where you're willing to compromise.
sweeper wrote:I feel that a rewards card will have better/higher returns than a cash back card.
Do the math. Don't rely on "feel". Look at how cards earn rewards (whether cash back, miles or points) and compare to your spend. You also need to look at how the rewards cards you're considering handle redemption as that can affect rewards value.
linuxmachine wrote:The only no fee card that earns points worth using is the amex everyday
Worth is always highly subjective. MR cards aren't worth it to me given their transfer partners. However, the Freedom paired with a CSP is worth it to me given UR's transfer partners.
sweeper wrote:my expenses should be anywhere from $2,000 + a month.
sweeper wrote:For ex. if I spend $50,000 in 6 months, i feel the cash back might give me returns of only $500 where as i can get more from a rewards card.
Given the former the latter seems impossible. There's always the risk of devaluation with miles and points -- especially if it takes you a long time to accrue them for redemption. For lower spend, cash back is generally better but it really depends on the specific situation.