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10 best cash back credit cards of 2019 (many have no annual fees)

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10 best cash back credit cards of 2019 (many have no annual fees)

Jason Stauffer10 best cash back credit cards of 2019 (many have no annual fees)Million Mile Secrets Team

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The simplest credit card reward you can earn is cash back. With a cash-back card, you’re getting money back just for using a credit card. But if you’re not using the credit card with best cash-back rewards for your spending habits, you’re missing out on free money. Booking flights and hotels with rewards earned from the top travel credit cards can get you trips worth hundreds or thousands of dollars, but don’t overlook cash-back credit cards (even if you’re a die-hard miles and points collector).

Now is a great time to take a look at your wallet to ensure you’re earning the most for all of those holiday purchases. For example, this quarter (through Dec. 31st 2019) you can earn 5% back at department stores and on purchases made with PayPal and Chase Pay with the Chase Freedom card. You’ll earn the 5% back on up to $1,500 in combined purchases and you need to activate the bonus by Dec. 14th 2019.

Earning the points you need to book airfare and accommodations is easy with the best airline credit cards and the best hotel credit cards. While those expenses are normally the biggest part of a travel budget, you’ll still have more to pay for once you get to your destination. These other expenses can add up quickly – but you won’t have to worry if you’re earning cold, hard cash from the best cash back credit cards. You can redeem cash back for anything, not just travel, to offset these incidental expenses.

Best Cash Back Credit Cards

The information for the Wells Fargo Propel Amex card and the Citi Double Cash card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Comparing the best cash back credit cards

Card nameBonusBenefits
Capital One® Savor® Cash Rewards Credit Card$300 cash back after you spend $3,000 on purchases within the first three months of account opening- 4% cash back on dining and entertainment purchases
- 2% cash back at grocery stores
Blue Cash Preferred® Card from American Express$250 statement credit after you spend $1,000 on purchases in the first three months of account opening- 6% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year, then 1% cash back)
- 6% cash back on select U.S. streaming services
- 3% cash back at U.S. gas stations and on transit
- 1% cash back on everything else
- Terms Apply
Bank of America® Cash Rewards credit card$200 bonus after you spend $1,000 in purchases in the first 90 days of account opening- 3% cash back on your choice of one of these six categories — gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
- 2% back at grocery stores and wholesale clubs (bonus cash back is earned on up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, then 1%)
- 1% back on all other purchases
Capital One® SavorOne® Cash Rewards Credit Card$150 cash bonus offer, which you’ll earn after you spend $500 on purchases within the first three months of account opening- 3% cash back on dining and entertainment
- 2% cash back at grocery stores
Chase Freedom$150 bonus (15,000 Chase Ultimate Rewards points) after you spend $500 on purchases within the first three months of account openingEarn 5% cash back on up to $1,500 in combined purchases in rotating quarterly categories (activation required)
Blue Cash Everyday® Card from American Express$150 statement credit after you spend $1,000 on purchases in the first three months of account opening- 3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year, then 1% cash back)
- 2% cash back at U.S. gas stations and select U.S. department stores
- 1% cash back on everything else
- Terms Apply
Wells Fargo Propel American Express® card30,000 bonus points (worth $300 in cash back, travel, gift cards or other rewards) after you spend $3,000 in purchases within the first three months of card opening- 3 points per $1 spent on travel purchases (flights, hotels, homestays, and car rentals)
- 3 points per $1 spent on eating out and ordering in
- 3 points per $1 spent on gas stations, rideshares, and transit
- 3 points per $1 spent on eligible streaming services
- 1 point per $1 for all other purchases
- Cell phone insurance (up to $600 per claim with a $25 deductible)
- No foreign transaction fees
Ink Business Cash Credit Card500 cash back bonus (50,000 Chase Ultimate Rewards points) after you spend $3,000 in purchases within the first three months of opening your account- 5% cash back (5x Chase Ultimate Rewards points per $1) on the first $25,000 you spend in combined purchases at office supply stores and on phone, internet, and cable TV services each account anniversary year
- 2% cash back (2x Chase Ultimate Rewards points per $1) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Citi® Double Cash CardNo intro bonus- 1% cash back on all purchases and an additional 1% back when you pay off the purchases

Capital One® Savor® Cash Rewards Credit Card

Best cash bonus with waived annual fee (for the first year)

Bonus

When you open a Capital One Savor card, you’ll earn $300 cash back after you spend $3,000 on purchases within the first three months of account opening.

Insider tip

This is a great card will also earn 4% cash back on food delivery from Postmates. So it’s great for more than just eating out.

Benefits

It’s the perfect card to use when you’ve got a night out on the town planned because it earns 4% cash back on dining and entertainment purchases. You’ll also earn 2% cash back at grocery stores and 1% cash back on all other purchases.

And there is no limit to the amount of cash back you can earn. Also, through December 2019 you can get your Postmates Unlimited plan fee ($9.99/month) reimbursed (as a statement credit) when you pay with your Capital One Savor card. With a Postmates Unlimited plan you get free delivery on all orders of $15 or more.

Annual fee

The card has a $95 annual fee, but it’s waived the first year.

Why it’s worth it

The Capital One Savor is one of the best credit cards for restaurants, so if you eat out a lot it’s a great choice. Also, because the annual fee is waived for the first year, all of the $300 intro bonus is yours to keep.

Blue Cash Preferred® Card from American Express

Best for select U.S. streaming services, U.S. supermarkets and U.S. gas stations

Bonus

The Amex Blue Cash Preferred card has a $250 statement credit bonus after you spend $1,000 on purchases in the first three months of account opening.

Insider tip

While this card earns a stunning 6% back on select U.S. streaming services, you’ll want to be aware that sometimes you won’t earn that bonus if the service is paid for as part of a package deal. For example, if a streaming service was bundled with your cable or internet provider you wouldn’t earn the 6% back.

Benefits

The card also has some rock solid bonus categories or 6% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year, then 1% cash back), 6% cash back on select U.S. streaming services, 3% cash back at U.S. gas stations and on transit and 1% cash back on everything else.

Annual fee

The Blue Cash Preferred has a $95 annual fee (see rates and fees).

Why it’s worth it

The Amex Blue Cash Preferred is great for stacking up savings on your daily commute. You’ll get unlimited 3% cash back at U.S. gas stations and on transit. And the transit category is broad: it includes subways, ferries, taxis, ride sharing, tolls and parking.

The 6% cash back on select U.S. streaming services is a bonus category almost everyone can easily take advantage of because it includes services like:

  • Amazon Music
  • Apple Music
  • Audible
  • CBS All Access
  • Direct TV Now
  • ESPN+
  • Fubo TV
  • HBO Now
  • Hulu
  • iHeartRadio
  • Kindle Unlimited
  • MLB.TV
  • NBA League Pass
  • Netflix
  • NHL.TV
  • Pandora
  • Prime Video Unlimited
  • Showtime
  • Sling TV
  • SiriusXM Streaming and Satellite
  • Spotify
  • YouTube Music Premium
  • YouTube Premium
  • YouTube TV

Just keep in mind that if you pay for one of the subscriptions through a third party or as part of a package deal, you might not earn the bonus cash back. Also, certain superstores, like Target or BJs, won’t qualify for the U.S. supermarket bonus.

Bank of America® Cash Rewards credit card

Best no annual fee card with bonus categories of your choice

Bonus

With the Bank of America Cash Rewards card, you can earn a $200 bonus after you spend $1,000 in purchases in the first 90 days of account opening.

Insider tip

If you’ve opened a lot of cards with other banks in the past 12 months or so, you might have a hard time getting approved for a new Bank of America card. But many people have reported having a better chance of being approved if they have a bank account (checking, savings, etc.) with Bank of America. My wife was recently in need of a new business checking account and after setting it up with Bank of America she was approved for the Alaska Airlines Visa® Business credit card after being denied for the card in the past.

Benefits and perks

You’ll earn 3% cash back on your choice of one of these six categories:

  • Gas
  • Online shopping
  • Dining
  • Travel
  • Drug stores
  • Home improvement/furnishings

You’ll also earn 2% back at grocery stores and wholesale clubs (bonus cash back is earned on up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, then 1%) and an unlimited 1% back on all other purchases.

Annual fee

This card has no annual fee.

Why it’s worth it

If you make the most of the 3% cash back category, you can earn an extra $75 per quarter or $300 per year. That’s not too shabby for a no annual fee credit card.

When you open the card the default 3% cash back category is gas, but you can change your bonus category once per month. Being able to change the 3% category every month should give you the flexibility to easily maximize your cash back every quarter. This is especially helpful for travel and home improvements, because those are generally times for bigger purchases, but you might not want either of them as a bonus category for an entire quarter.

Capital One SavorOne Cash Rewards Credit Card

Best no annual fee card for dining and entertainment purchases

Bonus

The Capital One SavorOne credit card has a $150 cash bonus offer, which you’ll earn after you spend $500 on purchases within the first three months of account opening. That’s a really small minimum spending requirement, and the cash bonus is like getting 30% back on your minimum spending.

Benefits and perks

The card also earns 3% cash back on dining and entertainment, 2% cash back at grocery stores and 1% cash back on all other purchases. You can earn an unlimited amount of cash back with the card, so it’s a great choice if you’re looking to save on a night out and don’t want to bother with paying an annual fee. Plus, the Capital One SavorOne card has no foreign transaction fees, so you won’t be penalized for using it on your next trip overseas.

Annual fee

This card has no annual fee.

Why it’s worth it

While the cash-back bonus categories and intro bonus are bigger with the Capital One Savor card, it can make sense for some people to open the Capital One SavorOne card instead. Because the card has no annual fee, it makes sense to hold onto it long term, as doing this will increase the age of the accounts on your credit report, which is one way to keep your credit score healthy.

Chase Freedom

(Photo by Wyatt Smith)

Best for rotating bonus categories

Bonus

You can earn a $150 bonus (15,000 Chase Ultimate Rewards points) with the Chase Freedom card after you spend $500 on purchases within the first three months of account opening.

Insider tip

The cash back you get with the Chase Freedom card is earned in the form of Chase Ultimate Rewards points. By themselves, these points are worth one cent each toward a range of redemptions. But if you pair the Chase Freedom with either the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or Ink Business Preferred℠ Credit Card, your Chase points have more value because you can then transfer them to travel partners.

Benefits and perks

You’ll also earn 5% cash back (5x Chase Ultimate Rewards points per $1) on the no annual fee Chase Freedom card’s rotating quarterly categories. After you activate the bonus, you can earn it on up to $1,500 in spending each quarter ($75 back) combined across all bonus categories. The bonus categories are typically useful, like gas stations, grocery stores and mobile wallet or PayPal payments.

When PayPal was included as a bonus category, I took advantage of the Chase Freedom card’s 5% cash back by paying my taxes through PayPal with my card. The category bonus made it a profitable move, even with the extra fees for making the payment with a card.

Annual Fee

This card has no annual fee.

Why it’s worth it

The ability to combine Chase Ultimate Rewards points you earn with the Chase Freedom card with other Ultimate Rewards cards and then transfer them to airline and hotel partners, like Hyatt and Southwest, is invaluable. For example, you could redeem 30,000 Chase Ultimate Rewards points for $300 cash back. Or, you could transfer those points to Hyatt and book a $900 hotel room. Those same points could get you to Hawaii and back if you transferred to British Airways or Singapore Airlines. That’s why being able to transfer your points is so powerful.

Chase has one of the more restrictive application rules – the 5/24 rule. Chase will not approve you for most of their cards if you’ve opened five or more cards from any bank (not counting Chase business cards and certain other business cards) in the past 24 months. The Chase Freedom card is affected by this rule. So if you’re new to the rewards credit card hobby, it makes sense to apply for the best Chase credit cards you want first, then get other cards later on.

Chase Freedom Unlimited

(Photo by Wyatt Smith)

Best for spending outside of bonus categories

BonusWith the Chase Freedom Unlimited card, you can earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening.

Insider tip

If you have the Sapphire Reserve card you can redeem Ultimate Rewards points for 1.5 cents each toward travel booking through the Chase travel portal. That makes it a great card to pair with the Freedom Unlimited because every purchase you make would be earning 2.25% toward travel (1.5x Chase points X 1.5 cents per point).

Benefits and perks

You’ll earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on all purchases, with no cap on how much cash back you can earn. That makes this card one of the best for everyday, non-bonus spending.

It’s best for folks who like fixed rewards, because there are no bonus categories you’ll have to remember.

Annual fee

This card has no annual fee

Why it’s worth it

Just like the Chase Freedom card, when you pair the Chase Freedom Unlimited with an annual-fee Ultimate Rewards card, all the points you earn become transferable to travel partners.

Because Chase Ultimate Rewards points are much more valuable when you can transfer them to travel partners, it makes the Chase Freedom Unlimited a top card for your everyday non-bonused spending and it can even make sense to pay your taxes with the card.

Blue Cash Everyday® Card from American Express

Best no annual fee card for U.S. gas stations and U.S. supermarkets

Bonus

With the Amex Blue Cash Everyday, you can earn a $150 statement credit after you spend $1,000 on purchases in the first three months of account opening.

Insider tip

Amex only allows you to earn the intro bonus on a card once per lifetime. But this card is different from the Blue Cash Preferred card, so if you’ve had one you can still earn a welcome bonus on the other.

Benefits and perks

If you’re looking to take the sting out rising fuel prices and expensive grocery bills, the Amex Blue Cash Everyday card should be in your wallet. This card has some exceptional bonus categories, you’ll earn 3% cash back at U.S. supermarkets (up to $6,000 in purchases per calendar year, then 1% cash back), 2% cash back at U.S. gas stations and select U.S. department stores and 1% cash back on everything else.

The card also comes with other perks, including a free ShopRunner Membership which gets you free two-day shipping from hundreds of online stores and normally costs $79 per year. You’ll also get rental car loss and damage insurance (secondary) when you pay for the rental with your card. The coverage applies when you pay for the entire rental with your eligible card.

Annual Fee

The Amex Blue Cash Everyday also has no annual fee (See rates and fees).

Why it’s worth it

Amex doesn’t count superstores or warehouse clubs as supermarkets. So purchases made at Walmart, Target, Amazon, or Costco do not qualify for 3% cash back. Generally, fuel purchases from gas stations that are part of supermarkets or warehouse clubs also will not qualify for the 2% cash back bonus at U.S. gas stations. So be sure to review the terms before you make any big bonus-category purchases.

If you want to take the sting out of your U.S. supermarket purchases, but don’t want to deal with an annual fee, then this is the card for you.

Wells Fargo Propel American Express® card

Best for biggest cash bonus with no annual fee

Bonus

The Wells Fargo Propel American Express card comes with 30,000 bonus points (worth $300 in cash back, travel, gift cards or other rewards) after you spend $3,000 in purchases within the first three months of card opening.

Insider tip

If you pair the Propel card with the Wells Fargo Visa Signature® Card you can increase the value of your points if you pool your points between the two cards. With the Visa Signature card you can redeem points toward airfare booked through the Wells Fargo Go Far Rewards portal for 1.5 cents each. And if you spend $50,000+ on your Visa Signature card in a calendar year that rate bumps up to 1.75 cents each.

Benefits and perks

This card earns 3x points on travel purchases (flights, hotels, and car rentals), eating out and ordering in, gas stations, rideshares, transit and on eligible streaming services. You’ll earn one point per dollar for all other purchases. In addition to having no foreign transaction fees, you’ll also get cell phone insurance when you pay you cellular service provider with your Propel card (up to $600 per claim with a $25 deductible).

Annual fee

This card doesn’t have an annual fee.

Why it’s worth it

Your points are worth one cent apiece for rewards like cash back, travel or gift cards. If you spend a lot in these categories, earning 3% back in rewards is a good deal, especially for a card with no annual fee.

Information for the Wells Fargo Visa Signature card has been collected independently by Million Mile Secrets and the details have not been reviewed by the card issuer.

Ink Business Cash Credit Card

(Photo by JT Genter)

Best for no annual fee small business card

Bonus

You’ll earn a $500 cash back bonus (50,000 Chase Ultimate Rewards points) after you spend $3,000 in purchases within the first three months of opening your Ink Business Cash credit card account.

Benefits and perks

The card also has excellent 5x and 2x bonus categories. You’ll earn 5% cash back (5x Chase Ultimate Rewards points per $1) on the first $25,000 you spend in combined purchases at office supply stores and on phone, internet, and cable TV services each account anniversary year. And at gas stations and restaurants you’ll get 2% cash back on the first $25,000 spent in combined purchases each account anniversary year. For all other spending you’ll earn 1% cash back.

Annual fee

For small business owners, it’s hard to top the welcome bonus you’ll get with the no-annual-fee Chase Ink Business Cash card.

Why it’s worth it

If you spend a lot in the bonus categories, the Chase Ink Business Cash can put literally free money back toward your bottom line.

Like other Chase cards, it’s subject to the 5/24 rule, but because it’s a small business card, it won’t count toward your status when you open it. Even better, you can combine the points you earn with this card with other Ultimate Rewards-earning cards, even personal cards. Considering there’s no annual fee, the $500 welcome offer is extremely generous. To improve your chances of getting this card, check out our Chase Ink Cash approval tips.

Citi® Double Cash Card

Best overall cash back card

Bonus

The Citi Double Cash card does not have a welcome bonus offer.

Insider fip

This year Citi added the ability to convert the cash back rewards you earn with the Citi Double Cash card into Citi ThankYou points at a ratio of $1:100 points, so each penny is worth one ThankYou point. If you have either the Citi Premier℠ card or Citi Prestige® card you can combine your Citi ThankYou points together and then transfer them to any of Citi’s 15 airline partners. That makes the Double Cash card the best way to earn Citi ThankYou points on non-bonus category spending.

Benefits and perks

The Citi Double cash card earns a straight forward 1% cash back when make a purchase and 1% cash back when you pay for that purchase. To earn the cash back you’ll need to pay at least the minimum amount due on time.

Annual fee

This card has no annual fee.

Why it’s worth it

Anytime you can earn 2% cash back on a no-annual-fee card it’s nearly impossible to go wrong. But, having the possibility of being able to take advantage of the Citi ThankYou transfer partners allows you to greatly increase the value of your rewards. For example, you can transfer 15,000 Citi points to Turkish Airlines and book a round-trip United Airlines partner award from the continental U.S. to Hawaii. Normally, 15,000 points would be worth $150 cash back, but even a cheap flight to Hawaii would cost you three times that much.

Information for the Citi Premier and Citi Prestige cards has been collected independently by Million Mile Secrets and has not been reviewed by the card issuer.

How We Selected the Best Credit Cards for Cash Back

Do a quick search for “what is the best cash-back credit card” and you’ll quickly be overwhelmed with information. You’ll have to wade through details about bonus categories, annual fees, and benefits — and that’s before you start reading the fine print. You could spend hours doing research and still not end up with the best card for you. The good news is, we’ve done all the legwork so you don’t have to.

We’ve looked at everything you need to know including:

  • Intro bonus: Banks entice folks to apply for their credit cards with generous bonuses — and a big welcome bonus can be the difference between the “right” or “wrong” card.
  • Minimum spending requirements: You generally won’t earn an intro bonus without meeting a minimum spending requirement. This is a big factor in deciding whether or not you should get a card. It’s not a good idea to spend more than you normally would just to meet a minimum spending requirement.
  • Cash-back earning rate: How much cash back will you earn per dollar spent? And which, if any, categories of purchases will earn bonus cash?
  • Perks, quirks, and fees: Each card has different benefits, such as insurance coverage for everything from rental cars to cell phones. Some cards have an annual fee, although their perks will quite often offset the cost. You’ll want to make sure the benefits of a card outweigh any fees before you make a decision.

If you’re just starting out with rewards credit cards, you’ll want to know your credit score before applying. You can check it for free at a number of different sites, including myBankrate. To have the highest odds of approval for most of the best cash-back credit cards, you’ll need a credit score of 700+, but even if you have less than perfect credit, you have options.

Banks do look at more than just your credit score when reviewing your application, and having a pristine credit report does not guarantee an approval.

You’ll also want to read our post about the 11 credit card myths that could be holding you back. For example, it’s a common myth that applying for credit cards will hurt your credit score. While it is true that applying for a credit card will result in a hard inquiry, which will temporarily lower your credit score by a small amount, over the long haul it’s easy to maintain an excellent credit score and have lots of rewards credit cards.

Many of us on the Million Mile Secrets team have 12+ credit cards while maintaining credit scores over 800.

Of course, if you don’t pay your balance off in full and on time every month, your credit score can take a hit and you’ll end up paying hefty interest and fees. So if you’re not in a position to pay off all your credit card balances each and every month, then you’ll want to wait to apply. No credit card rewards are worth sacrificing your credit score or finances.

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Best Cashback Credit Card for Non-Bonus Category Purchases:  Chase Freedom Unlimited

The no-annual-fee Chase Freedom Unlimited is the card for you if you want to keep things simple and earn Big Travel with Small Money.  With it, you will earn 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on every purchase.

And you can earn a $150 welcome bonus (15,000 Chase Ultimate Rewards points) after you spend $500 on purchases within the first 3 months of opening your account.

Because you’re earning 1.5% cash back (1.5X Chase Ultimate Rewards points per $1) on all purchases, this is the perfect card for all non-bonus category purchases, especially big expenses like home or vehicle repairs!

Categories? Forget About ‘Em and Earn More Rewards for Your Everyday Purchases With the Chase Freedom Unlimited Card!

And, just like with the Chase Freedom, you can combine the points you earn with other eligible Chase cards!  If you do this, you’ll be able to transfer your Chase Ultimate Rewards points to Chase’s travel partners.

The Chase Ultimate Rewards points you earn with the Chase Freedom Unlimited card are normally worth 1 cent each as cash back or toward travel booked through the Chase Travel Portal.  But when you pool them onto certain Chase cards they’re worth:

That means you can effectively earn up to 2.25% toward travel with every purchase (1.5 Chase Ultimate Rewards points X 1.5 cents per point) if you have the Chase Sapphire Reserve card!

The Chase Freedom Unlimited card is restricted by the Chase “5/24” rule.  So if you’ve opened 5+ credit cards from any bank in the past 24 months (NOT counting Chase business cards and these other business cards), you’re unlikely to be approved for this card.

The information for the Chase Freedom Unlimited® has been collected independently by Million Mile Secrets.  The card details on this page have not been reviewed or provided by the card issuer.–>

Do you have a favorite cash-back card that didn’t make the list? Let us know in the comments!

Summary of the best cash back credit cards

For more credit card news, deals and analysis sign-up for our newsletter here.

For rates and fees of the Blue Cash Preferred Card, please click here.

For rates and fees of the Blue Cash Everyday card, click here.

Featured image by Dean Drobot/Shutterstock.

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Named ‘The Best Travel Card' by CNBC, 2018
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I got the BoA spend $500 get $150. Going for the no fee Savor next.

Very nice, congrats on the approval!

The article doesn’t mention the Citi Double Cash Back card, which is a no annual fee card and has Citi Rewind. In my opinion, it is the best free card since you can use it to pay your federal taxes and still earn a tax-free margin of .13%.

Carrie @ Season It Already!

I’m curious about the following on the Propel card:

Cell phone insurance (up to $600 per claim with a $25 deductible)

My question: Does the phone need to be purchased with the credit card or does just having the card offer the insurance?

If you want to skip the noise and not have 7 cards for 7 types of spend, just get the Citibank 2% cash back card. No gimmicks. 2% back on all spend. I still use other cards to maximize return on spend, but you can’t beat Citi Double Cash Back card for simplicity sake.

Two chances to get the Wells Fargo card. Slim and none.

Agreed – I have excellent credit and 5+ cards with no balance carried. WF said they couldn’t verify my identity. Sitting in their office with a passport, DL and handfull of cards wasn’t good enough. Later they called and said I had past due invoices -not for 25+ years (if ever!) They were not interested in my business at all.

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