Best Cards to Pair for Maximum Cashback
00:00:00.000 | You know what, this is the year for cash back.
00:00:01.720 | Let's forget about points.
00:00:02.720 | What do I do?
00:00:03.560 | Are there any other cards that you could pair
00:00:05.800 | with a card earning three, 4% cash back
00:00:08.480 | that even makes sense?
00:00:09.400 | If we start first, assuming you have the smartly card,
00:00:11.800 | it's a really easy filter.
00:00:13.000 | You're looking for any card where you can earn more than 4%
00:00:17.680 | and there aren't a lot of cards,
00:00:18.880 | even on categories that earn that much more.
00:00:21.480 | The most common cards that I would say can beat 4%
00:00:25.540 | are there's a handful of cards
00:00:27.140 | that do these rotating categories
00:00:29.120 | or categories that you pick
00:00:31.180 | like the Bank of America Customized Cash,
00:00:33.180 | the Citi Custom Cash, US Bank Cash Plus,
00:00:35.820 | where you earn five, sometimes 6% on some amount of money
00:00:40.780 | that when you annualize it ends up being
00:00:43.020 | around six to $10,000 a year.
00:00:45.360 | But if you go all the way to the top and say,
00:00:47.180 | okay, let's look at a 5% card
00:00:49.380 | that's gonna earn that on $10,000 a year,
00:00:52.160 | relative to getting 4%,
00:00:54.080 | you're really just getting an extra 1% on $10,000,
00:00:56.900 | which is just $100.