Best credit card combo for cash back?
Jun 8, 2018, 5:57 pm
#16
Join Date: Jun 2011
Posts: 3,528
There's no right or wrong answer to any of these, it depends on your spend patterns, and what you spend on. The giftcard loophole on the Amex BCP for instance has been popular because you can get up to 6% effective on a lot of spend, although there is a cap on the 6% cashback in eligible spend per year.
Jun 11, 2018, 2:36 am
#17
Join Date: Jan 2016
Posts: 20
If you have Bank of America Preferred rewards (an account with Merrill Lynch or Merrill Lynch Edge with > 100,000) their premium rewards visa is 2.65% cash back on everything with 3.5% on travel and dining. In addition you get the panoply of travel / purchase benefits and CDW waiver.
Jun 11, 2018, 8:02 am
#18
Join Date: May 2013
Location: New York
Programs: UA Silver, Marriott LTPP, Hertz Five Star
Posts: 1,079
Amex disclaims gift cards from the 6% cashback eligibility in the terms, but can or cannot tell if you bought gift cards - if the store sends the right level 3 data as part of the transaction and they see you bought giftcards, it won't get 6%. If they just send normal transaction data (store, merchant category code as a supermarket, and dollar amount) then the gift card purchases will net 6% on the BCP.
Jun 12, 2018, 12:59 pm
#19
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,980