Any credit cards that can beat the Citi doublecash?

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vu8
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Any credit cards that can beat the Citi doublecash?

Post by vu8 » Wed Mar 13, 2019 1:30 pm

Good afternoon my friends,

I've been using the Schwab 1.5% cash back card, and just got approved my beloved Citi double cash (2%). Any cards that you would suggest that beats the citi cash back?

I only shop at Walmart, so a lot of "3%" groceries cash back doesn't apply to Walmart shamefully!

I also buy gas, but only a couple times a month, using a double cash card on everything would be very comfortable.

I don't eat out, except maybe McDonalds once or twice a month. I shop on EBAY only!

What would you guys recommend besides the Citi Doublecash?

ppdandekar
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Re: Any credit cards that can beat the Citi doublecash?

Post by ppdandekar » Wed Mar 13, 2019 1:40 pm

If you spend more than $11,800 per yr, Alliant Visa Signature card might be better than Citi DC. It gives you 2.5% cash back on everything, but comes with a $59 annual fee. Plus, first year no annual fee and you get 3% cash back on everything.

https://www.alliantcreditunion.org/bank ... ature-card

MichCPA
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Re: Any credit cards that can beat the Citi doublecash?

Post by MichCPA » Wed Mar 13, 2019 1:45 pm

vu8 wrote:
Wed Mar 13, 2019 1:30 pm
Good afternoon my friends,

I've been using the Schwab 1.5% cash back card, and just got approved my beloved Citi double cash (2%). Any cards that you would suggest that beats the citi cash back?
Do you travel? The question largely hinges on cashback vs travel rewards.

Also, I have the DC myself. Decent card for non-bonus spend.

Housedoc
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Re: Any credit cards that can beat the Citi doublecash?

Post by Housedoc » Wed Mar 13, 2019 1:52 pm

Bank of America cards,
$150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening — plus now choose how you earn rewards.
No annual fee†.
Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.
Earn unlimited 1% cash back on all other purchases.

https://secure.bankofamerica.com/applyn ... d-HV_Exact

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sunny_socal
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Re: Any credit cards that can beat the Citi doublecash?

Post by sunny_socal » Wed Mar 13, 2019 1:52 pm

ppdandekar wrote:
Wed Mar 13, 2019 1:40 pm
If you spend more than $11,800 per yr, Alliant Visa Signature card might be better than Citi DC. It gives you 2.5% cash back on everything, but comes with a $59 annual fee. Plus, first year no annual fee and you get 3% cash back on everything.

https://www.alliantcreditunion.org/bank ... ature-card
This. It's my go-to card!

[1] Costco Visa for gas and restaurants
[2] Alliant Visa for everything else

mmmodem
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Re: Any credit cards that can beat the Citi doublecash?

Post by mmmodem » Wed Mar 13, 2019 1:54 pm

I'm interested as well. I use my Citi card as general purpose. I keep an Amazon prime card for Amazon and a Discover for their rotating 5% categories. I don't currently know of a better rewards card.

MotoTrojan
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Re: Any credit cards that can beat the Citi doublecash?

Post by MotoTrojan » Wed Mar 13, 2019 1:56 pm

Wells Propel is 3% on dining, travel, and gas and if you transfer to Visa Signature those points become 4.5% back when used on airfare. Sounds like for you, unless you want to churn some bonuses, the Citi card makes sense.

yohac
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Re: Any credit cards that can beat the Citi doublecash?

Post by yohac » Wed Mar 13, 2019 2:01 pm

If the description of your spending habits is complete, and you want to keep things simple, I think your Citi card is the best choice.

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SlowMovingInvestor
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Re: Any credit cards that can beat the Citi doublecash?

Post by SlowMovingInvestor » Wed Mar 13, 2019 2:07 pm

BoA Premium with Preferred Platinum status.

You get 2.625%. But you do need status at BoA/Merill Edge.

bryanm
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Re: Any credit cards that can beat the Citi doublecash?

Post by bryanm » Wed Mar 13, 2019 2:09 pm

Bank of America offers a 75% rewards bonus to those with 100k in assets at one of their companies (e.g., Merrill Edge). With the Premium Rewards card you get 2% on travel/dining, 1.5% on everything else. That becomes 3.5% and 2.625% after the bonus, beating out DoubleCash but incurring a $95 annual fee. At ~$15k in annual spend in "everything else" it appears to even out. Sooner if you have any dining/travel.

See the thread What's Your Credit Card Rewards Strategy?

Jags4186
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Re: Any credit cards that can beat the Citi doublecash?

Post by Jags4186 » Wed Mar 13, 2019 2:13 pm

I’ve become a US Bank shill.

Altitude Reserve. 4.5% cash back on Travel and Mobile Wallet (Apple/Samsung/Google Pay). Pair with Doublecash for when you can’t use mobile wallet. Net $75 annual fee means you just need to spend $250/mo on travel and mobile wallet to beat a straight 2% cash back card and you get yourself primary car rental insurance.

fittan
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Re: Any credit cards that can beat the Citi doublecash?

Post by fittan » Wed Mar 13, 2019 2:16 pm

Citi 2% is a great card. Hard to beat.

However I would also like to recommend Amazon Prime Rewards Visa Signature Card. Obviously you get 5% back from Amazon purchase. But 2 other benefit it provides is that 1) no foreign transaction fee (you can't use the DoubleCash overseas without incurring fees) and 2) you can use it at Costco (which does not accept Mastercard). Also this care has no annual fee.

Of course there are other cards with annual fees that will trump both cards above, but for no fees ones, the above two are hard to beat.

chazas
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Re: Any credit cards that can beat the Citi doublecash?

Post by chazas » Wed Mar 13, 2019 2:23 pm

The Alliant card is good, but I'm a long time Citi customer and prefer to have my primary card associated with my local hub bank. I use:
  • Citi Costco Visa for gas (4%), travel and restaurants (3%) and Costco (2%).
  • Amex BlueCash Preferred for groceries (6%) and anyplace else that is Amex-only (1%).
  • Citi DoubleCash for everything else (2%).
Oh, and while I don't usually think specific merchant cards are worth it I spend a lot of time at Target, so I got a Target RedCard which is 5% straight discount, not cash back.
Last edited by chazas on Wed Mar 13, 2019 2:27 pm, edited 1 time in total.

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CABob
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Re: Any credit cards that can beat the Citi doublecash?

Post by CABob » Wed Mar 13, 2019 2:25 pm

Citi Double Cash is my go to card but would also mention Chase Freedom for their rotating 5% categories.
https://creditcards.chase.com/freedom-credit-cards/home
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miamivice
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Re: Any credit cards that can beat the Citi doublecash?

Post by miamivice » Wed Mar 13, 2019 2:27 pm

Last year, I used Costco Visa for everything.

Excluding Citi Price Rewind usage (I borderline abused that program!), my average rebate was 1.57%, due the multiple categories.

Including Citi Price Rewind usage, my average rebate was probably 2.3% or so.

YMMV

inbox788
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Re: Any credit cards that can beat the Citi doublecash?

Post by inbox788 » Wed Mar 13, 2019 2:30 pm

vu8 wrote:
Wed Mar 13, 2019 1:30 pm
Good afternoon my friends,

I've been using the Schwab 1.5% cash back card, and just got approved my beloved Citi double cash (2%). Any cards that you would suggest that beats the citi cash back?

I only shop at Walmart, so a lot of "3%" groceries cash back doesn't apply to Walmart shamefully!

I also buy gas, but only a couple times a month, using a double cash card on everything would be very comfortable.

I don't eat out, except maybe McDonalds once or twice a month. I shop on EBAY only!

What would you guys recommend besides the Citi Doublecash?
If you spend $200/month on groceries at Walmart, and used the Walmart 3% card, you'd get an extra $24/year. More if you spent more on groceries there and whatever other shopping you did there. Looks like the Walmart cards are only 3% at their website and 1% in store?!?

If you spend $1000/year on gas, you may make an extra $20/year with a 4% card instead. More if you got a 5 or 6% card that might be available. The more you spend on gas the more it might be worth it.

Twice a month at McDonalds won't add up to anything significant.

Unless you're charging over $10,000/year (almost $1000/month) and can get your average cash rebate up another percent, you're talking about less than $100/year in benefit. I wouldn't bother juggling extra credit cards for such a small amount. YMMV.
Last edited by inbox788 on Wed Mar 13, 2019 3:34 pm, edited 1 time in total.

UpperNwGuy
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Re: Any credit cards that can beat the Citi doublecash?

Post by UpperNwGuy » Wed Mar 13, 2019 2:35 pm

PenFed Power Cash Rewards. 2% on everything. Better than Citi Double Cash because the full 2% posts ehen the charge posts, and you can redeem any amount any time.

DSInvestor
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Re: Any credit cards that can beat the Citi doublecash?

Post by DSInvestor » Wed Mar 13, 2019 3:02 pm

Citi Doublecash is my goto card, but I also use:
1) For foreign transactions, Capital One Quicksilver - No annual fee, no foreign transaction fee, 1.5% cash back.
2) Costco Visa card for gasoline 4% cash back, 3% dining/travel, 2% for costco, 1% everything else. No foreign transaction fee.

The Citi double cash and Citi Costco visa both have a great feature called CITI Price Rewind where you can register a purchase and the service will search for lower prices for 60 days. If lower price is found, you will be refunded the price difference.
Wiki

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GoldStar
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Re: Any credit cards that can beat the Citi doublecash?

Post by GoldStar » Wed Mar 13, 2019 3:04 pm

I think you've got the best all-around cash-rewards card with Citi (No credit union to join; no annual fee; no gimmicks/tricks; no categories to worry about; etc.).
Charge away and get 2% back. Its that simple.

ddurrett896
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Re: Any credit cards that can beat the Citi doublecash?

Post by ddurrett896 » Wed Mar 13, 2019 3:05 pm

ppdandekar wrote:
Wed Mar 13, 2019 1:40 pm
If you spend more than $11,800 per yr, Alliant Visa Signature card might be better than Citi DC. It gives you 2.5% cash back on everything, but comes with a $59 annual fee. Plus, first year no annual fee and you get 3% cash back on everything.

https://www.alliantcreditunion.org/bank ... ature-card
I just check out the link. Says $50k spend, what if I only spent $25,000?

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GoldStar
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Re: Any credit cards that can beat the Citi doublecash?

Post by GoldStar » Wed Mar 13, 2019 3:07 pm

UpperNwGuy wrote:
Wed Mar 13, 2019 2:35 pm
PenFed Power Cash Rewards. 2% on everything. Better than Citi Double Cash because the full 2% posts ehen the charge posts, and you can redeem any amount any time.
I would call the Citi card better for most of us because there isn't a credit union membership barrier to deal with. (Harder to join PenFed if you aren't ex-military from what I've read).

Anyone can sign up for Citi DoubleCash - and redeeming the second 1% after paying the card really isn't that much of a downside.

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mrmass

Post by mrmass » Wed Mar 13, 2019 3:17 pm

ddurrett896 wrote:
Wed Mar 13, 2019 3:05 pm
ppdandekar wrote:
Wed Mar 13, 2019 1:40 pm
If you spend more than $11,800 per yr, Alliant Visa Signature card might be better than Citi DC. It gives you 2.5% cash back on everything, but comes with a $59 annual fee. Plus, first year no annual fee and you get 3% cash back on everything.

https://www.alliantcreditunion.org/bank ... ature-card
I just check out the link. Says $50k spend, what if I only spent $25,000?
I think that is just an example I have the card and spend about$20k a yr

Jags4186
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Re: Any credit cards that can beat the Citi doublecash?

Post by Jags4186 » Wed Mar 13, 2019 3:29 pm

ddurrett896 wrote:
Wed Mar 13, 2019 3:05 pm
ppdandekar wrote:
Wed Mar 13, 2019 1:40 pm
If you spend more than $11,800 per yr, Alliant Visa Signature card might be better than Citi DC. It gives you 2.5% cash back on everything, but comes with a $59 annual fee. Plus, first year no annual fee and you get 3% cash back on everything.

https://www.alliantcreditunion.org/bank ... ature-card
I just check out the link. Says $50k spend, what if I only spent $25,000?
Then you only get cashback on $25,000 of spend. $750 year one, $625 year two and beyond.

Chicago60
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Re: Any credit cards that can beat the Citi doublecash?

Post by Chicago60 » Wed Mar 13, 2019 4:36 pm

GoldStar wrote:
Wed Mar 13, 2019 3:07 pm
UpperNwGuy wrote:
Wed Mar 13, 2019 2:35 pm
(Harder to join PenFed if you aren't ex-military from what I've read).
I don't know what you read, and what your source was, but I am not ex-military. I had a 5 year CD with Pen-Fed that matured last year, and I still have an AmEx credit card with PenFed.

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Re: Any credit cards that can beat the Citi doublecash?

Post by MotoTrojan » Wed Mar 13, 2019 4:41 pm

CABob wrote:
Wed Mar 13, 2019 2:25 pm
Citi Double Cash is my go to card but would also mention Chase Freedom for their rotating 5% categories.
https://creditcards.chase.com/freedom-credit-cards/home
Discover offers similar 5% rotations too.

Pu239
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Re: Any credit cards that can beat the Citi doublecash?

Post by Pu239 » Wed Mar 13, 2019 4:57 pm

+1 on the Alliant Signature Visa. Collect cash rewards and then deposit the cash monthly into an Alliant savings account earning close to 2%. Experience on the Credit Card Rewards Strategy thread indicates, however, it can be a difficult card to obtain.

gougou
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Re: Any credit cards that can beat the Citi doublecash?

Post by gougou » Wed Mar 13, 2019 5:23 pm

Alliant Visa Signature gives 3% cash back for 1st year and 2.5% cash back thereafter, with a $59 annual fee.

Discover It Miles card gives you 1.5% cash back and 1.5% cash back match at year end, so effectively a 3% cash back for first year.

Bank of America Premium Rewards gives 3.5% cash back on travel and dining and 2.625% cash back on everything else if you have $100K asset with BoA. It has $95 annual fee.

If you buy on eBay, you could consider the eBay Mastercard which gives you 2% cash back for the first $1000 you spend on eBay and 3.33% cash back after $1000 per year. You could alternatively purchase eBay gift cards from office supply stores (Staples, OfficeDepot, etc) with Chase Ink Business Cash and earn 5X UR points (worth at least 5% cash back and more if you have CSR) per $ spent.

Broken Man 1999
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Re: Any credit cards that can beat the Citi doublecash?

Post by Broken Man 1999 » Wed Mar 13, 2019 5:26 pm

I have a Priceline Visa card used for much of my charging, flat 2% reward on everything. I use other cards to capture higher rewards if available, like restaurants, groceries, gas, big box stores, etc. Sometimes the Discover card 5% category matches my purchases.

So, always 2% minimum, sometimes 5%.

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Re: Any credit cards that can beat the Citi doublecash?

Post by xb7 » Wed Mar 13, 2019 6:21 pm

I think there are enough nuances to choosing the 'best' card or set of cards for a given individual or family, that if you want to be sure you're close to optimal for *you*, do a bit of research.

I've got the citi 2% card now, and overall it's great, with the caveat as someone mentioned earlier, I won't take it with me overseas. I'm thinking that I'll get rid of it however, just to make life a little simpler --- thinking/intending to go with a suite of 2 or even 3 Chase cards (not counting the Chase Amazon branded card) --- in that context, I just have to log in to one place to get updated on the cards that I really use (have one other just to maintain a card that I've had a long time for credit purposes). So I'll replace the City 2% with a Chase Freedom Unlimited (and maybe, maybe a Freedom too if it seems worth the hassle). Freedom Unlimited only gives 1.5% back, but it's in the form of Chase UR points, which I'm thinking I can get at least 2.25% value for if using the Chase travel portal ... and Chase is my local bank too, so have a modest checking account there.
This is the sort of thing I mean when I say "enough nuances".

Some play the churn game to grab a lot of sign-up bonuses. I'm not trying to do that, just rather to find a good, simple to use, and effective set of cards. So I've been researching too, but hope that soon I can just forget about it for the most part!

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Re: Any credit cards that can beat the Citi doublecash?

Post by flamesabers » Wed Mar 13, 2019 6:56 pm

vu8 wrote:
Wed Mar 13, 2019 1:30 pm
I only shop at Walmart, so a lot of "3%" groceries cash back doesn't apply to Walmart shamefully!
If you do a lot of online shopping with Walmart, I would suggest the Walmart credit card. You'll get a 3% statement credit on purchases you make on Walmart's website.

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Re: Any credit cards that can beat the Citi doublecash?

Post by oldcomputerguy » Wed Mar 13, 2019 8:43 pm

fittan wrote:
Wed Mar 13, 2019 2:16 pm
However I would also like to recommend Amazon Prime Rewards Visa Signature Card. Obviously you get 5% back from Amazon purchase.
Only if you have Prime membership; otherwise it’s 3%.
It’s taken me a lot of years, but I’ve come around to this: If you’re dumb, surround yourself with smart people. And if you’re smart, surround yourself with smart people who disagree with you.

yo-eleven
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Re: Any credit cards that can beat the Citi doublecash?

Post by yo-eleven » Wed Mar 13, 2019 9:09 pm

Does anyone think there is a chance Amex will bump the Schwab 1.5% cash back card up to 2%, maybe to better compete with the Fidelity 2% card?

Eno Deb
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Re: Any credit cards that can beat the Citi doublecash?

Post by Eno Deb » Wed Mar 13, 2019 9:25 pm

xb7 wrote:
Wed Mar 13, 2019 6:21 pm
thinking/intending to go with a suite of 2 or even 3 Chase cards (not counting the Chase Amazon branded card) --- in that context, I just have to log in to one place to get updated on the cards that I really use (have one other just to maintain a card that I've had a long time for credit purposes). So I'll replace the City 2% with a Chase Freedom Unlimited (and maybe, maybe a Freedom too if it seems worth the hassle). Freedom Unlimited only gives 1.5% back, but it's in the form of Chase UR points, which I'm thinking I can get at least 2.25% value for if using the Chase travel portal ...
I used to do that until a few years ago (had a Freedom, Freedom Unlimited and Sapphire travel card), but have switched to pure cashback cards since. Main reason is that to really get this kind of value out of their points you have to invest quite a bit of time into finding good value for your points at transfer partners and Chase's travel portal (often they are a bit more expensive than other travel sites which wipes out the points discount). I also often found myself choosing second-best offers just so I could use the UR points. Cashback is so much simpler.

If you have at least $100K in assets that you can park at Merrill Edge, I second the recommendation for the BoA cards. If you are in their "platinum" tier, you get at least 2.6% for everything, and up to 5.2% for certain categories. To get the 2.6% on everything you can use either the Premium Rewards card (which has an annual fee and earns 3.5% for travel and dining expenses), or the Travel Rewards card (which limits cash back redemptions to statement credits for travel expenses, but has no annual fee).

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Re: Any credit cards that can beat the Citi doublecash?

Post by HEDGEFUNDIE » Wed Mar 13, 2019 9:28 pm

I approach the credit card game somewhat differently.

I apply for 0% APR purchase cards, then run up the balance on them until the promo rate runs out.

My effective rebate is the rate of return I get on my investments with the cash I didn’t use to pay off the card every month, plus any actual cash rebates.

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Re: Any credit cards that can beat the Citi doublecash?

Post by ppdandekar » Wed Mar 13, 2019 9:36 pm

Eno Deb wrote:
Wed Mar 13, 2019 9:25 pm
xb7 wrote:
Wed Mar 13, 2019 6:21 pm
thinking/intending to go with a suite of 2 or even 3 Chase cards (not counting the Chase Amazon branded card) --- in that context, I just have to log in to one place to get updated on the cards that I really use (have one other just to maintain a card that I've had a long time for credit purposes). So I'll replace the City 2% with a Chase Freedom Unlimited (and maybe, maybe a Freedom too if it seems worth the hassle). Freedom Unlimited only gives 1.5% back, but it's in the form of Chase UR points, which I'm thinking I can get at least 2.25% value for if using the Chase travel portal ...
I used to do that until a few years ago (had a Freedom, Freedom Unlimited and Sapphire travel card), but have switched to pure cashback cards since. Main reason is that to really get this kind of value out of their points you have to invest quite a bit of time into finding good value for your points at transfer partners and Chase's travel portal (often they are a bit more expensive than other travel sites which wipes out the points discount). I also often found myself choosing second-best offers just so I could use the UR points. Cashback is so much simpler.

If you have at least $100K in assets that you can park at Merrill Edge, I second the recommendation for the BoA cards. If you are in their "platinum" tier, you get at least 2.6% for everything, and up to 5.2% for certain categories. To get the 2.6% on everything you can use either the Premium Rewards card (which has an annual fee and earns 3.5% for travel and dining expenses), or the Travel Rewards card (which limits cash back redemptions to statement credits for travel expenses, but has no annual fee).
I agree about the effort to extract good value from UR points. But I think the Chase travel portal has gotten more competitive with other travel sites, especially now that it runs on Expedia engine. I still use the Chase "trifecta" that gets me 2.25-7.5% effective cash back when booking economy flights. But I absolutely agree that unless you want to do aspirational travel, it is tough to get decent value using travel rewards. Better to focus on cash back or simpler travel reward systems like Chase travel portal or Capital One Venture travel purchase eraser. Of course, if the OP doesn't travel much, they are better off focusing on pure cash back cards.

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Re: Any credit cards that can beat the Citi doublecash?

Post by FrugalProfessor » Wed Mar 13, 2019 10:03 pm

https://www.frugalprofessor.com/best-cr ... 8-edition/

https://www.frugalprofessor.com/one-mon ... ards-card/

Around 4.5% cash back, on average, for us. Mostly 5.25%. Worst case 2.625%.
I blog. Taxes are the lowest hanging source of alpha.

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Re: Any credit cards that can beat the Citi doublecash?

Post by travellight » Wed Mar 13, 2019 10:12 pm

I use a combination of Alliant in general and Citi prestige for travel; I get 5x on restaurants and air/travel, 3x hotels, 4th night free, Citi price rewind, and $250 travel credit per year which offsets the $350 fee. Also gives Priority club lounge. Both of these far outperform Citi double cash for me.

I also have b of a preferred rewards card giving 2.625% back on everything.

HIinvestor
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Re: Any credit cards that can beat the Citi doublecash?

Post by HIinvestor » Wed Mar 13, 2019 10:25 pm

Our main card is USAA 2.5% cashback, provided you have at least $1,000/month direct deposit. There is no annual fee. My dad served in the military.

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Re: Any credit cards that can beat the Citi doublecash?

Post by KT785 » Wed Mar 13, 2019 10:32 pm

HIinvestor wrote:
Wed Mar 13, 2019 10:25 pm
Our main card is USAA 2.5% cashback, provided you have at least $1,000/month direct deposit. There is no annual fee. My dad served in the military.
Unfortunately, that card was closed to new applicants a year or so ago.

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Re: Any credit cards that can beat the Citi doublecash?

Post by Earl Lemongrab » Thu Mar 14, 2019 4:09 pm

My go-to card is the BofA cash rewards card with Preferred Rewards boost of 75%. I have the 3% category on drug stores, so 5.25% back there, with 3.5% on grocery and 1.75% elsewhere. I pay attention to rotating categories for other cards. Discover is 5% groceries this quarter and 5% gas next.
This week's fortune cookie: "Your financial life will be secure and beneficial." So I got that going for me, which is nice.

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Re: Any credit cards that can beat the Citi doublecash?

Post by midareff » Thu Mar 14, 2019 4:13 pm

vu8 wrote:
Wed Mar 13, 2019 1:30 pm
Good afternoon my friends,

I've been using the Schwab 1.5% cash back card, and just got approved my beloved Citi double cash (2%). Any cards that you would suggest that beats the citi cash back?

I only shop at Walmart, so a lot of "3%" groceries cash back doesn't apply to Walmart shamefully!

I also buy gas, but only a couple times a month, using a double cash card on everything would be very comfortable.

I don't eat out, except maybe McDonalds once or twice a month. I shop on EBAY only!

What would you guys recommend besides the Citi Doublecash?
Uber Visa for 4% at restaurants and 3% at hotels. AMEX 6% grocery card. PenFed 5% gas card. Fidelity 2% on everything card. I have the Citi card but don't use as I consider all these deals better..... and also there is the Discover 5% categories.

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Re: Any credit cards that can beat the Citi doublecash?

Post by midareff » Thu Mar 14, 2019 4:14 pm

Earl Lemongrab wrote:
Thu Mar 14, 2019 4:09 pm
My go-to card is the BofA cash rewards card with Preferred Rewards boost of 75%. I have the 3% category on drug stores, so 5.25% back there, with 3.5% on grocery and 1.75% elsewhere. I pay attention to rotating categories for other cards. Discover is 5% groceries this quarter and 5% gas next.
Earl.. the AMEX Grocery card waoks at the Grocery Pharmacy also. I use it at Publix Pharmacies regularly (unfortunately).

patrick
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Re: Any credit cards that can beat the Citi doublecash?

Post by patrick » Thu Mar 14, 2019 4:38 pm

midareff wrote:
Thu Mar 14, 2019 4:13 pm
Uber Visa for 4% at restaurants and 3% at hotels.
Yet somehow it only gives 2% on Uber!

arf30
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Re: Any credit cards that can beat the Citi doublecash?

Post by arf30 » Thu Mar 14, 2019 4:40 pm

patrick wrote:
Thu Mar 14, 2019 4:38 pm
midareff wrote:
Thu Mar 14, 2019 4:13 pm
Uber Visa for 4% at restaurants and 3% at hotels.
Yet somehow it only gives 2% on Uber!
Reminds me of the Costco Visa.. only 2% at Costco but 4% on gas.

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smarcus3
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Re: Any credit cards that can beat the Citi doublecash?

Post by smarcus3 » Thu Mar 14, 2019 10:05 pm

Double cash is hard to be as it's easy.

Churn credit card introduction offers like $200 after spending $500.
Actually have another offer on the kitchen counter I need to accept and churn. :)
This is my personal opinion. I'm an engineer not a financial advisor.

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Earl Lemongrab
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Re: Any credit cards that can beat the Citi doublecash?

Post by Earl Lemongrab » Thu Mar 14, 2019 11:27 pm

midareff wrote:
Thu Mar 14, 2019 4:14 pm
Earl Lemongrab wrote:
Thu Mar 14, 2019 4:09 pm
My go-to card is the BofA cash rewards card with Preferred Rewards boost of 75%. I have the 3% category on drug stores, so 5.25% back there, with 3.5% on grocery and 1.75% elsewhere. I pay attention to rotating categories for other cards. Discover is 5% groceries this quarter and 5% gas next.
Earl.. the AMEX Grocery card waoks at the Grocery Pharmacy also. I use it at Publix Pharmacies regularly (unfortunately).
I don't use that pharmacy. I'm all set up at CVS.
This week's fortune cookie: "Your financial life will be secure and beneficial." So I got that going for me, which is nice.

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midareff
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Re: Any credit cards that can beat the Citi doublecash?

Post by midareff » Fri Mar 15, 2019 9:20 am

Earl Lemongrab wrote:
Thu Mar 14, 2019 11:27 pm
midareff wrote:
Thu Mar 14, 2019 4:14 pm
Earl Lemongrab wrote:
Thu Mar 14, 2019 4:09 pm
My go-to card is the BofA cash rewards card with Preferred Rewards boost of 75%. I have the 3% category on drug stores, so 5.25% back there, with 3.5% on grocery and 1.75% elsewhere. I pay attention to rotating categories for other cards. Discover is 5% groceries this quarter and 5% gas next.
Earl.. the AMEX Grocery card waoks at the Grocery Pharmacy also. I use it at Publix Pharmacies regularly (unfortunately).
I don't use that pharmacy. I'm all set up at CVS.
In our neck of the woods they are the most expensive around Earl.

jharkin
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Re: Any credit cards that can beat the Citi doublecash?

Post by jharkin » Fri Mar 15, 2019 9:30 am

+1 to just keep the Citi card.

We are not frequent air travelers and we dont have enough assets outside IRAs/401ks for brokerage status so we just use the Citi for most regular spend along with:

* Amazon Prime Visa for 5% at Amazon & Whole Foods
* Amex Blue Cash Preferred for 6% groceries/3% gas
* A couple store cards (primarily Target) that we shop heavily

I also have a Discover that I the 5% categories just enough to keep it from closing - only because its my oldest open card (early 90s).

cusetownusa
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Re: Any credit cards that can beat the Citi doublecash?

Post by cusetownusa » Fri Mar 15, 2019 9:35 am

ppdandekar wrote:
Wed Mar 13, 2019 1:40 pm
If you spend more than $11,800 per yr, Alliant Visa Signature card might be better than Citi DC. It gives you 2.5% cash back on everything, but comes with a $59 annual fee. Plus, first year no annual fee and you get 3% cash back on everything.

https://www.alliantcreditunion.org/bank ... ature-card
hmmm. I have been using the Double Cash card but this sounds enticing. I easily spend over $12000 per year on my CC.

Wonder if you could pay your Federal or State estimated tax payments with this? Anyone know what the CC fee they would charge?

My go to cards are Amazon Prime for Amazon purchases, UBER card for restaurants and travel, then double cash for everything else.

itsgot8
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Re: Any credit cards that can beat the Citi doublecash?

Post by itsgot8 » Fri Mar 15, 2019 9:43 am

If I have an existing Citi card, can I just convert it over to a Citi Double-Cash account or would I have to specifically apply for a Citi Double-Cash card?

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