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Hi! My name’s not actually Baby, like the kid in that movie. It’s Bill! But I have a baby, and baby, we’re raking in the cash back these days. Cash back on diapers. Cash back on toys. Cash back on cribs. Cash back on mommy’s chardonnay. Everything.
Kidding aside, money was/is tight for us, so I’ve gotten really into credit card rewards. You can pretty much always get discount prices if you use the right plastic. You just have to look hard enough and be organized. I’ve done pretty well, so I thought I’d share what I’ve learned.
The best credit card for a large purchase is Chase Freedom Unlimited. In addition to a 15-month, 0% interest rate youll get 1.5% cash back on every purchase and a $150 bonus if you spend $500 in the first t…
Answer by: @BabyGotCashback
The American Express Business Gold credit score requirement is good credit or better. To be clear, you can submit an application no matter what your credit score is. But to have a good shot at approval, yo…
Answer by: @BabyGotCashback
Yes, the Costco Citi Card is very good. It’s got great rewards, you can use it anywhere Visa is accepted and there’s no annual fee. So it’s pretty much a must-have for Costco members...if you can get it. You need excellent credit to qualify.
That’s the short story. Below, I’ll give you a some specific reasons why I like this card.
Here are all the reasons why the Costco Citi Card is good:
There’s a lot to love about the Citi Costco card. But since Costco will accept any card on the Visa network (plus cash and checks), you have other options.
The best credit card for a 700 credit score could be Capital One Venture if you’re eager to earn travel rewards, Citi Double Cash if you’d prefer cash back or Chase Slate if you want 0% APRs. It all depends on your individual needs, as no card does everything best. But you do want to focus on cards that require “good” credit or below, since 700 is a good credit score. Of course, there are other things that affect the application process too, like income and the number of recent inquiries on your report.
A good way to figure out whether you’re eligible for a particular credit card with your 700 credit score is to check for pre-approval on the issuer’s website. If you’re pre-approved for a card, you’re not guaranteed approval, but your odds are high – usually around 90%. You can do a pre-approval check for most of the best credit cards for a 700 credit score.
Here are the best credit cards for 700 credit scores:
As you may have noticed, a lot of the best credit cards for 700 credit scores don’t have annual fees. So you can pick up some great perks without having to shell out money for the privilege of having a card.
The best Chase credit card for cash back is either Chase Freedom or Chase Freedom Unlimited. Or, if you’re looking for a business credit card, it’s the Ink Business Cash Credit Card. Which consumer card is best really depends on whether you’d prefer 5% quarterly bonus categories and a 1% base rate (Freedom) or a steady 1.5% cash back on everything (Freedom Unlimited). Neither charges an annual fee. You also need excellent credit to get either of these Chase cash back credit cards.
That’s just the high-level overview though. You’ll need a bit more info to make a wise decision.
Here’s what you need to know about Chase’s cash back credit cards:
So you’re getting the same rewards you would with normal cash back, but there’s a chance that Chase could devalue your cash back by making each point worth less. Hopefully that doesn’t happen. You should redeem your cash back often just in case.
The best double points credit card has got to be Chase Sapphire Preferred, which offers double points on all travel and dining purchases. Quite a few cards allow you to earn 2 points per $1 spent on some or all purchases, but Preferred has the extra benefit of its points being worth 25% more when redeemed for travel. So you get the equivalent of 1.25% cash back on Sapphire Preferred’s double-points purchases when you redeem for travel. And the card’s massive 50,000-point initial bonus is worth up to $625.
There are plenty of other interesting double points credit cards, though. Amex Everyday and Citi ThankYou Preferred are two notable options. And you shouldn’t rule out Citi Double Cash or Capital One Venture’s double miles, either.
HERE ARE THE BEST DOUBLE POINTS CREDIT CARDS:
Double points credit cards can give you an excellent return on your spending. And believe it or not, some cards, like Chase Sapphire Reserve, even offer 3 or more points per $1 spent on certain purchases. But the better a card’s rewards are, the more demanding its approval requirements will usually be.
The best 5% cash back credit card is Discover it – Cashback Match, but there are several other notable choices including Chase Freedom and some store credit cards. Discover it and Chase Freedom both offer 5% cash back in specified bonus categories, which change every three months, plus 1% on everything else. Store cards can only be used at the retailers they’re tied to, but if you shop there often, why not get 5% cash back? Let’s take a closer look at your choices.
Here are the best 5% cash back credit cards:
There are even more store cards that offer 5% cash back rates, so it’s worth looking into what your favorite retailers bring to the table. Pretty much all store credit cards only require fair credit to get, too. But for overall value, Discover it – Cashback Match is your best bet for a 5% cash back credit card because it actually gives you up to 10% back the first year. You need good credit, though.
The best 2% cash back credit card is. It gives unlimited 2% cash back on purchases, 1% when you buy something and another 1% when you pay for it. And there’s no annual fee. Plus, the card offers a 0% APR for 18 months on balance transfers with a 3% fee. You will need good credit to be approved for this card.
But there are several other great 2 percent cash back credit cards to consider when shopping for the best deal.
Here are the best 2% cash back credit cards:
At the end of the day, Citi Double Cash is the best 2%because it offers an unlimited 2% cash back rate on all purchases. Most 2% cash back credit cards put a cap on the amount you can earn with 2%+ rates. Or they only give the rate on certain categories of purchases.
Many of these 2% cash back credit cards offer some other great features in addition to their 2% cash back rates. For example, Citi Double Cash gives a 0% APR on purchases and balance transfers for 18 months. BankAmericard Cash Rewards for Students offers 3% cash back on gas – but its 2% and 3% cash back rates only apply to your first $2,500 spent in those categories combined.
Similarly, the Costco Anywhere Visa gives 4% cash back on your first $7,000 spent per year on gas, and 3% back on restaurants and travel. Blue Cash Everyday offers 3% cash back on your first $3,000 spent at supermarkets, along with a 0% APR for 15 months on purchases and balance transfers. Discover it Chrome matches your first year’s cash back and gives you a 0% APR on purchases and balance transfers for 14 months.
And to top it off, none of these cards have annual fees.
No, you can’t use any Mastercard credit card at Costco. Costco only accepts cards on the Visa network. But that’s a relatively new development. Costco was Amex-exclusive from 1999 until 2016, when they switched to Visa. Before 1999, they only took Discover cards. I don’t think Mastercard has ever been an option, though.
So if you only have a Mastercard and want to shop at Costco, you have a couple choices. For starters, you can still pay for Costco items with cash or a check. But do you really want to carry all that cash, take the time to write out a check or miss out on a lot of rewards?
Your best bet is to simply get a Visa credit card. There are lots of really rewarding offers out there, including the Costco Anywhere Visa Card by Citi. You need excellent credit to get it, but you get 4% cash back on gas, 3% on dining and travel, 2% at Costco and 1% on everything else.
Chase Freedom Unlimited and Capital One Quicksilver Visa cards are good choices too.
Unlimited Rewards is a loyalty program for travel professionals that lets you earn cash back for booking with Avis car rentals, Budget Car Rental, Hilton hotels, Carey Executive Transportation and the Embarque chauffeur service. All U.S. and Canadian travel agents can join. Once you have earned at least $10 in rewards, you get a prepaid Visa debit card tied to your rewards balance. You can use it to make purchases or withdraw the cash at an ATM.
All a registered travel agent must do to enroll in Unlimited Rewards is provide their name, email, seller ID and address. After that, you can set up a password and security question. But there are a few other things you should know about the program before you join.
Here’s what you need to know about Unlimited Rewards:
There are a few other things “unlimited rewards” could refer to. The first is rewards on the Chase Freedom Unlimited card. With that card, you get unlimited 1.5% cash back on all purchases. And there’s a $150 bonus when you spend $500 in the first 3 months.
Many other credit cards also say their rewards are “unlimited,” in that there’s no cap to the amount of rewards you can earn.
The American Express Business Gold credit score requirement is good credit or better. To be clear, you can submit an application no matter what your credit score is. But to have a good shot at approval, you need a credit score of 700 or better.
You can only get the Amex Business Gold Card if you’re a small business owner, but since you’ll be personally responsible for paying the bill, it’s your personal credit that counts for approval purposes.
That might seem pretty straightforward. But it’s not like every applicant with good credit gets approved. There’s definitely more to the story, so keep reading.
Here’s what you should know about American Express Business Gold credit scores:
To meet the Amex Business Gold credit score requirement, your credit needs to be in top shape. WalletHub can help with that. You can sign up for WalletHub’s free daily credit scores to keep track of any changes in your credit standing. Plus, WalletHub’s free credit analysis will help you pinpoint any problems and come up with a plan for fixing them.
The Amex EveryDay bonus is 10k points right now, not 25k. But they occasionally offer 15k bonus points instead. So that could be where some of the Amex EveryDay 25k confusion comes from: 10k + 15k = 25k. But you can’t combine the two bonus offers. It’s either or. And there’s no way to control which offer you’ll see when you go to apply. In fact, if you do see the 15k promotion, Amex warns that you might not get it again if you leave the page.
So, while there is no Amex EveryDay 25k bonus, you can get either 10,000 or 15,000 points for spending $1,000 in the first three months. And even if you aren’t offered the extra 5,000 points, it’s still worth learning the details of the Amex EveryDay bonuses.
Here’s what you need to know about the Amex EveryDay 25k bonus:
So, although you won’t get 25,000 points when you sign up for Amex EveryDay, you can still get 10,000 points in your first three months. If you’re lucky, you can even get 15,000. These points don’t expire, and you can use them to pay for purchases at certain merchants, buy gift cards, book travel, or get a statement credit.