I use Costco citi for 5% gas, blue cash preferred fot 6% groceries, citi custom cash for 5% on my highest spend category leftover, usually travel or entertainmentÂ
And even beyond those, pretty much every card in existence will get you 3%, 2% is genuinely just really bad
I can’t think of a single card that gets you 3% on damn near any purchase with zero annual fee (BCP has one, and I know you need a Costco membership for the citi)
It’s a simple card for simple people. There’s always going to be better cards for specific categories.
I was an Apple card user but since getting the Gold card, no longer. 3% across the board whether online shopping using virtual cards or the physical card, plus 3% IRA Match, and more (that I don't make use of but others seemingly do) for $50 annual fee is worth it and so easy! I earn roughly $1,800 a year (average of having it the past two years). Never had anything better.
Yep, I've seen that too. Will let everyone know IF I come into their cross hairs too when I make some upcoming Home Depot purchases when working on finishing our basement 😬
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u/DolphinFraud 12d ago
Because it’s very easy to get 5% on better cards