This class is absolutely one area the old adage, “Keep it simple, stupid,” applies. If you’re attractive for the best rewards acclaim agenda to acquire banknote back, your focus should be on how abundant you accept the abeyant to acquire and how accessible it is to achieve that. While all of the best banknote aback acclaim cards arise acceptable at aboriginal glance, you allegation to apprehend the accomplished book to apprentice how banknote aback acclaim cards work. Some accept agreement that aloof accolade banknote aback as a percentage; with others, you acquire banknote aback “points.” Either way is fine, but if you’re accepting points, accomplish abiding you’re attractive at the best acclaim agenda offers, which accept credibility that are about account 1¢ each; in added words, a $100 acquirement would acquire you 100 points, which equals $1 banknote back. Lower than that isn’t absolutely a acceptable accord in today’s aggressive acclaim agenda market.
When comparing the accomplished banknote aback acclaim cards, accede how accessible they are to use, as able-bodied — the best acclaim cards won’t accomplish you jump through hoops. Some banknote aback cards appear with arduous restrictions — like capping the credibility you can acquire or authoritative you proactively assurance up for (and accumulate clue of) revolving banker categories like administration food or supermarkets that change every few months.
When we evaluated the best banknote aback acclaim cards of 2018, this one stood out: The Citi Double Banknote has a acceptable antithesis amount of two credibility (i.e., 2¢) per $1. The card’s antithesis anatomy does accommodate a twist, however: You allegation to accomplish and pay off purchases to get both credibility on anniversary dollar. But that can be a acceptable allurement to pay your antithesis in abounding every month.
Other affidavit this agenda is one of the best acclaim cards in 2018: no anniversary fee and a reasonable APR for the best creditworthy borrowers. The Citi Double Banknote offers 18 months of 0% absorption on antithesis transfers, but that comes with a 3% antithesis alteration fee, and it doesn’t accept an anterior 0% absorption aeon for purchases. The Capital One Quicksilver has 0% on purchases and antithesis transfers for 15 months (and additionally accuse a 3% antithesis alteration fee), but its earning amount of 1.5 credibility per $1 spent is lower, authoritative the Double Banknote a bigger bet over the continued term.
*Card targeted to those who allegation $50,000 or added a year on the card.
Even the best banknote aback acclaim cards aren’t perfect. In this case, the aerial end of the APR ambit for the Citi Double Banknote is college than abounding others in the category, like the Fidelity Rewards Visa Signature, which has a distinct APR of 15.74%. But, says Brian Karimzad, co-founder of website MagifyMoney, you shouldn’t be attractive to backpack a antithesis with a rewards card. Your antecedence should be the APR and fees, not the perks, if you plan to borrow. (See our advocacy for the best low-interest-rate agenda here.)
MONEY formed with MagnifyMoney to attenuated bottomward acclaim agenda options in anniversary class to a set of finalists. MONEY’s beat agents was alone amenable for allotment the winners.
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