I have only one thing in my mind when choosing credit cards. ‘Cash is the King’. The flexibility of cash gives me an absolute advantage over other travel rewards credit cards. I researched a bit of the US cash back credit cards and there are 3 strong contenders based on a cash back point of view.
| Chase Freedom | Blue Cash Everyday- American express | Discover it | |
| Annual fee | No annual fee | No annual fee | No annual fee |
| Bonus 1 | $100 bonus after spending first $500, | $100 bonus after spending first $1,000, | N/A |
| Bonus 2 | $25 bonus after adding first authorized user | Get one year of Amazon Prime with Free two day shipping | N/A |
| Bonus 3 | 0% APR on purchases and balance transfer for 15 months | 0% APR on purchases and balance transfer for 15 months | 0% APR on balance transfers for 18 months |
| Bonus 4 | Various car rental insurance, roadside assistance, travel insurance | 0% APR on purchases for 6 months | |
| Cash back 1 | 5% cash back selected stores for selected period | 3% of US supermarkets up to $6,000 per year, | 5% cash back for online shopping and other department store for selected period |
| Cash back 2 | 5% cash back on every 3months categories | 2% US gas station and US department stores | 1% cash back on all other purchases |
| Cash back 3 | Unlimited 1% cash back on everything else | 1% on other purchases |
All three are really good but my favorite is the Blue Cash Everyday-American express as I know that more than 70% my major purchases every month are grocery and gas. This gives me 3% over grocery store purchases and 2% on US gas station for no annual fee. Chase Freedom isn’t too bad for 5% cash back at selected category but I don’t think I can control my spending efficiently if I have to wait for the right time to purchase on movie theaters, starbucks (which I am trying to stay away anyways)
What is your favorite US credit card and why?
Was this post helpful to you? If yes, click the subscribe button for more useful info.