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US Bank Shoppers card is a great option. 6% on any two categories/quarter (including Walmart) and 3% on one of three categories (we chose utilities). 1.5% on EVERYTHING else. Outside of the sign up bonus, we are getting about $750-$900 back each year for a cost of $95 to carry the card. If you don't travel a lot, it's a great option.

Alliant Credit Union Visa Signature. 2.5 on everything. Love this card

My CFU and my Navy Fed More Reward smiled at me when I watched this video 😊

PayPal is #1 for me since I do almost all of my spending through PayPal (Even online grocery shopping, AND my light bill). Complimented with the Fidelity card, I could drop to a 2-card system if it came to that.

Wells fargo autograph and capital one savor one ❤

BILT is underrated as a solo card.

I think the NFCU Flagship Rewards is a great card.

I avoid the bankster credit cards at all costs, and stick to a credit union! Credit unions are not for profit, members are owners, and credit unions do not take financial risks! I only have two cards. The Navy Federal Credit Union More Rewards Card, and the Flagship Rewards Card.

Great review...This always helps with looking for new cards to get. You can add the WF Autograph card with the AE Everyday card for groceries and online shopping and be covered with alot of catorgories then just throw in a good 2% card and be set.

Wow! No Citi absolutely anywhere even in the honorable mentions? The Custom Cash certainly holds more value than something like the Chase Freedom Unlimited. And not even a mention of the Double Cash in the 2% flat cash back. Did Citi do you dirty recently?

My favorite all around card is the active cash autograph BCE

I dislike rotating category cards. It’s like purposefully making your life harder to plan. Checking out those AAA CARDS.

Cards I think should have made the list: Redstone FCU Signature (strongest category-specific card on the market, should be in actual Top 10) Amex Blue Business Plus (2x transferable points, no annual fee) Any 2.5%/3% card, like Alliant (with the caveat of having to jump through hoops) US Bank Altitude Reserve (4.5% on mobile wallet redeemable for cash travel with $75 effective annual fee, good SUB, some premium benefits) Capital One Venture X (2x transferable, good SUB, no effective annual fee if you travel once a year using cash)

Im fairly new to credit cards, but the US bank altitude go seems good, or the wells fargo active cash.

🏆NFCU🏆 Thanks for the info + video!

Why not the Citi Custom Cash? I think that is # 1.

Good review. I have the AAA TA, the BCE, and a VX, but since I'm working on the spending requirements on new business cards while at 4/24, I had to put them on hiatus. I'm not sure if the AAA or the BCE will be used that much in the next year, especially if I decide to jump on a CSP (and off the ink train) if it does get a great welcome offer... because getting the AMEX Gold and/or the Savor 1 will have a better return on spend than the cash back cards. I guess I'm not a one-card guy, lol.

Current card that I would say: Discover Miles as long as you don't mind opening another account and closing the second (that is still one card your using - sort of) as last I knew you still can churn them and it is *unlimited 3% back on all categories of purchases* and get 1.5% each month and the rest with the cash back match. Card of the future: The Federal Reserve card. Though if you have less than or around $10,000 spend on groceries (or $7,000 on gas or electric charging) then like the good Adam Jusko said in the video the one of the AAA Comenity dual of cards is better for the spend as that can be a good as 5% back if under the cap.

Redstone FCU absolutely COOKS all these other cards. You get 5% on gas and restaurant purchases, 3% at grocery stores, discount stores, wholesale clubs, utilities, cable, phone and streaming services and 1.5% on all other purchases. The multiplier categories are the bulk of most people’s shopping. It’s easy for anyone to join - just pick the last choice on the list during the application (it’s free). The idea that this card is a limited time teaser has been wrong for over a year.

AAA travel if gas is majority of budget. AAA everyday if its groceries.

Really glad the Savor One is finally getting its due. Unrelated, but a Capital One/American Airlines partnership makes all the sense in the world to me.

No citi custome cash?

Great content as always, thanks Adam!!!

Redstone Federal credit Union Visa, hands down is my daily driver, this card surpasses several cards on your list.

I think the biggest one you missed is the Costco Everyday Visa! It functions as my parents' 1-card setup and they get about $500 per year in cash back. Impressive! In my opinion, it's hard to go wrong with the Costco card. That is assuming that you have a costco membership, so you could say it's effective annual fee is $60 or $120.

i dont know how capital one savor one wasn't #1 because it has 3% in a lot of good categories with a low spend requirement $200 bonus and we don't have to be a member of anything. wells fargo autograph would be a close second because it has a lot of the same benefits but with a higher spend requirement for its intro bonus.

I’m cool with my Amex blue card. Does the basics that get me through.

I wouldn't have thought about the Gold being good if you just wanted 1 card, but I could see it for the right person. Though Amex isn't accepted everywhere which is a downside. I do agree with others that say the US Bank AR should be here. Assuming you can do a lot of your purchases with mobile wallet, you get 4.5% on those, and 1.5% elsewhere. Maybe not as good if you don't travel, but the same could be said of the Gold. Though I am curious how the math would work out for an average person, whether one of the 3% on multiple categories would be a 2% on everything if all they wanted was one card.

I would have to go CSP or citi premier. Low AF, no FTF Both have lots of categories plus access to transfer partners so you can either cash out or use pts for travel. Also some good purchase protections & extended warranty.

Alliant Visa Signature easy for me. Pay health insurance premiums and auto as well through it. Easily surpasses what the 1k could get me even at 5% APY Used it overseas and it's perfect - NO FTFs just a round great card.

Solid video as always Adam 👍

Fidelity might have a bonus right now. I recently got an offer in the mail $150 bonus on $1000 minimum spend until end of May. And thanks for the tip on the AAA cards, I'm always looking for more rewards on my BJ's purchases.

Paypal WF Autograph Bilt Rewards

Bread Amex card is flat 2% card with no foreign exchange rate fees.

Great list Adam!

The top two in my opinion are either the U.S. Bank altitude reserve with 4.5x on all mobile wallet purchases which is almost everything now and the alliant signature visa, 2.5% back on everything, no annual fee and no foreign transaction fees.

I have six of those cards (five in the top 10, one honorable mention). I wonder why US Bank Altitude Go was chosen over Cash+. With Cash+, you get to choose your 5% categories per quarter. Then again, there is a cap on that bonus per quarter.

Chase freedom flex does just fine.. 5% rotating categories.

I wasn't able to apply for the AAA credit card because for some unknown reasons it could not verify my info as if I wasn't in the system.

AAA Daily advantage sounds great. Until you get a $500 credit limit and an inquiry on your credit file for this useless card.

Only because you included the gold card with an annual fee will I debate that the altitude reserve should be #1 here. Uncapped 4.5% (with travel) that I use for gas, groceries, most utilitis, travel, take out food, most online shopping, most in store stopping. 1.5% on all other purchases.

Another thing to consider for a single do it all card are the extra benefits besides just the cashback/points categories. Namely purchase protection and extended warranty which is mostly going to limit you chase or amex annual fee cards. But those are very powerful benefits, especially if youre using that card for all your purchases, big and small. And also im shocked! i think this is the first one of these types of lists i didnt see the citi custom cash or double cash at least get an honorable mention. Maybe people are getting tired of hearing about those? 😂 i know the custom cash most people only regard as a good supplemental card for one category use only. But if most of your daily purchases fall in the available categories and you arent a big spender, you can pretty easily average over 2% back across all your purchases with that one.

How did the U.S. BANK SHOPPER CASH REWARDS not get on the list, that thing is nuts. Also the Citi Double cash.

What about American Express Blue is this a bad choice

I'm curious why you have the blue cash everyday card in your top 10, but have the blue cash preferred in your honorable mentions?

And Amex BCP doesn’t get enough love.

Paypal Mastercard for sure and I haven't even watched this yet.

Interesting that the Citi Custom Cash is not on here.

I was going to say that if I could ONLY have 1 card, it would be the no AF BoA Travel card, or maybe the $95 one, but I'm a PR member, so it shifts things a bit. Maybe even the elite one, since you can actually use all of the travel and lifestyle credits in just one trip a year, and you don't have to pick a particular airline.

Why didn't the Redstone make it? That was my #1.

Capital one venture X

Curious as to why no Citi Double Cash?

What about Alliant Visa 2.5% cash back on everything !!!

For those who got a AAA card,how easy is it to get approved? I got 2 cards in the past 2 months and am thinking of getting the everyday one

Are the AAA cards redeemable for actual cash back or just a statement credit? And can you have both or just 1?

Venture X

If you have a saffire card and want another card will they do a hard pull e even if you are in good standing

Why didn't you add Citibank double cash in the 2% cards?

Hey everyone! :)

Costco

Verizon Visa Signature Card

👍🏻

A one card set up is foolish.

Bilt #1

👍

First

Go altitude