What is a good cash back credit card that has no annual fee?
A percentage for gas won't mean anything to me for the next 3 or 4 years, since I'm living in Japan I wont have a car. My credit report lists two scores as good and one as excellent. I don't want a discover card since I haven't seen any place that accepts that over here (but maybe I'm just not noticing it) I refuse to pay an annual fee and the APR is only a minor concern since I haven't carried a balance in a few years and when I do it's only for a couple of months. I currently have a Chase credit card with travel benefits that seem to really suck and an American Express with points that really suck. But I have low APR's on both of those around 8% and great transfer rates so if need be I can always transfer to those cards. I only want to get one more card, the only reason I wouldn't close one of the other two is because I don't want my history to shorten.
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cards.hotusa.org – try this one. It offers several cards which provide such a service.
My Citibank platinum card has no fee and gives cash back – some merchants are 3%, some 2% – Drug stores and groceries are included in this.
Try this site.
Personally, I’d think about charging less. Cash back credit cards are the biggest rip offs out there. They give you 2% back but chage interest that far exceeds this. You are better off building up some cash in a savings account that earns you 2-3% and using a debit card for your transactions. I don’t want to be mean ,but too many people use credit as a day-to-day tool these days.
If you spend, let’s say over $12000 per year on a credit card, the Amex Blue Cash is best. If you spend less than that, the the Schwab 2% back is best.
Amex Blue pays 1% back on grocery store, gas, and standalone drug stores, and .5% back everywhere else. Until you spend over $6500 in one year, then the payback for grocery stores, gas, and drugstores goes to 5%, and 1.25% on everything else. I spend about $35000 per year on the card, and end up with about 2.1% cash back. (on the Kiplinger’s "best of" list) – the Kiplinger’s info is a little bit out of date – it’s 1.25% now, not 1.5%.
The schwab card is 2% right away, and they put the money into an investment account, which you can set up for free if you also switch your checking account to them. If you do that, and use direct deposit, then everything is fee free, and it’s a simple online couple-of-clicks to move money from the investment account to your checking account, where you can withdraw cash from any ATM anywhere, with no ATM fees. (on the Kiplinger’s "best of" list)