OffTheGrid wrote:Is there a better "all-in" cash back card I should look at? Has anyone else dealt with problems getting banks to categorize their local supermarkets or online retailers correctly?
I'm aware of two no-annual fee cards that offer 2% cash back across the board. Specifically:
1) The Citi Double Cash card. They make this a bit more complicated than it needs to be, but essentially it's a 2% cash back card that, to my knowledge, doesn't require any other relationship with Citi (just don't redeem your cash back for statement credit, because then you end up with slightly less than 2% cash back because of the way they structure it, which I don't even want to go into because it sounds a lot more complicated than it is). This is a Mastercard.
2)The Fidelity Rewards Visa Signature card. This is a straight 2% cash back card. The cash must be redeemed into a Fidelity account; you can set up a "Cash Management Account," which is pretty much just a checking account, with minimal fuss, though I understand that some people don't like to have to open another account just to deal with something like this.
I'd strongly encourage you to consider getting one of the above. Why earn 1.5% cash back when you can earn 2.0% cash back?
(Having said that, you should keep the QuickSilver card, and use it a couple of times a year to keep it active, since QuickSilver charges no foreign exchange fee. I believe the two cards above both do, so you might want to hang on to QuickSilver in the event that works out better for foreign travel. I understand that the Chase Sapphire Preferred doesn't charge a foreign exchange fee either, so disregard if you're sure you'll hang on to the Preferred card, but if there's any chance you'll cancel it in the future you might want to keep QuickSilver as a backup.)
Regarding your question about supermarkets, that's the frustrating part about cards like this. I'd suggest you consider getting the Amex Blue Cash Everyday card, which has no annual fee, and make small purchases at the various stores (both online and brick & mortar) from which you buy groceries. Then wait until you get your statement and see if the various purchases were categorized as 3% or 1% cash back. Amex doesn't make it easy in the sense that they don't give you a store-by-store breakdown of how much cash you got back, but you can always call and ask the customer service representatives to tell you how much cash back you got for each purchase. Sometimes you can even figure it out for yourself by working backwards from how much cash back you got, but that depends on how many purchases you make and whether or not you charge similar amounts at each.