CC Deville wrote:I think the answer can be subjective. For me, my BofA Cash Rewards Visa Signature works the best for how I spend, 3% on gas, 2% on groceries and 1% everywhere else. And since I have a free BofA checking account, my rewards get an additional 10% bonus when I redeem to my BofA checking account which makes it a 3.3%, 2.2% and 1.1% cash back card. I spend a bit on gas and groceries so it works for me.
Now, if you spend very little on gas or groceries than the Capital One Quicksilver at 1.5% back on everything is probably the better deal.
Some people may find that the Chase Freedom is the better deal provided that they make use of the 5% rotating categories.
Better yet, if you don't mind MasterCard, the Citibank Double Cash is arguably the best, standard cash back card right now. As with any reward card, however, I am sure that they will eventually nerf that or make it harder to redeem etc.
Are you suggesting buying Costco Cash online with a MasterCard, having it shipped USPS, and then using it in the warehouse?
I'd do that for minimum spend (and did for my rushed IHG bonus swap), but it's not simple and there are easier ways to earn 2% cash on a long-term basis.