What credit card to choose? Here is the best card combination.



Lyle Daly, The Motley Idiot
Printed four:00 a.m. MT Oct. 17, 2020


Know what to not cost in your bank card earlier than you swipe. These are 4 of the worst issues to cost on a bank card.


Once you’re in command of your loved ones’s funds, discovering the suitable mixture of bank cards is a should. For those who use playing cards that match your loved ones’s spending habits – and also you’re snug proudly owning a number of bank cards – it can save you an enormous amount of cash. To make it simpler, we have put collectively a bank card combo that can earn households as a lot again as attainable.

These bank cards have excessive rewards charges in areas the place households spend essentially the most, reminiscent of groceries, leisure, and on-line Amazon purchasing. They will not break the financial institution, as most are no-annual-fee bank cards. They usually all earn money again, so it is simple to redeem every little thing you earn.

Groceries and fuel: Blue Money Most popular® Card from American Categorical

The Blue Money Most popular® Card from American Categorical has among the highest money again charges in the marketplace for a number of standard on a regular basis bills. That features groceries, fuel, and streaming companies. It earns:

  • 6% at U.S. supermarkets on as much as $6,000 in purchases per calendar 12 months
  • 6% on choose U.S. streaming companies
  • three% at U.S. fuel stations
  • three% on transit, reminiscent of rideshares, parking, and buses
  • 1% on all different purchases

You additionally get a $300 bonus if you spend $1,000 on purchases throughout the first three months. Supply Expires 12/10/2020

This card has a $95 annual payment, however all of the money again it earns makes up for that. If you wish to keep away from annual charges totally, go along with the Blue Money On a regular basis® Card from American Categorical as a substitute.

Eating and leisure: Capital One® SavorOne® Money Rewards Credit score Card

Household dinners, journeys to the zoo, and theme park visits are all extra rewarding with the Capital One® SavorOne® Money Rewards Credit score Card. This no-annual-fee card earns:

  • three% on eating
  • three% on leisure
  • 2% at grocery shops (excluding Walmart, Goal, and another superstores)
  • 1% on all different purchases

Capital One’s eating and leisure classes are broad and canopy fairly a couple of several types of bills. Eating consists of bars, cafes, and bakeries; whereas leisure consists of motion pictures, concert events, sporting occasions, and bowling alleys. You additionally get a $150 bonus for spending $500 on purchases inside three months.

For those who spend a big quantity (a minimum of $9,500) on eating and leisure every year, then it’s best to take into account the Capital One® Savor® Money Rewards Credit score Card as a substitute. It provides four% again on eating and leisure for a $95 annual payment.

 (Photograph: Getty Photos)

Amazon: Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is good for households that use Amazon as a one-stop store for college provides, electronics, toys, and the rest they want. It is a money again card with no annual payment, and it earns:

  • 5% at Amazon
  • 5% at Entire Meals
  • 2% at eating places
  • 2% at fuel stations
  • 2% at drug shops
  • 1% on all different purchases

You additionally obtain a $100 Amazon reward card immediately upon approval.

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This card’s wonderful rewards price on Amazon purchases makes it a no brainer if your loved ones has an Amazon Prime membership.

All the things else: Citi® Double Money Card – 18 month BT provide

To this point, we have lined bank cards that earn bonus money again in standard spending classes. However what about all of your different purchases? For that, there’s the Citi® Double Money Card – 18 month BT provide.

This Citi card earns a vast 2% again on each buy. That 2% splits into 1% money again if you make a purchase order the opposite 1% if you make a minimum of the minimal cost on time.

A price of two% again on every little thing makes this a frontrunner among the many prime money again bank cards. And it ensures that you’re going to at all times earn 2% or extra on each $1 you spend.

This household bank card combo in motion

To provide you a greater thought of simply how a lot you may acquire with the perfect bank cards, we have used some cheap annual spending figures to calculate this combo’s advantages:

Spending classAnnual spendingMoney again priceMoney again earned per 12 months



6% (Blue Money Most popular® Card from American Categorical)




6% (Blue Money Most popular® Card from American Categorical)




three% (Blue Money Most popular® Card from American Categorical)




three% (Capital One® SavorOne® Money Rewards Credit score Card)




three% (Capital One® SavorOne® Money Rewards Credit score Card)


Amazon/Entire Meals


5% (Amazon Prime Rewards Visa Signature Card)


All different purchases


2% (Citi® Double Money Card – 18 month BT provide)


That is a grand whole of $873 in money again per 12 months on $24,800 in annual spending. After subtracting the $95 annual payment of the American Categorical card, you are still up $778. Take into account that you’d additionally earn an additional $500 from these playing cards’ sign-up bonuses. If you understand which bank cards to make use of and the place to make use of them, you will get far more again in your common bills.

The key to large money again

Desire a money again card that may put an estimated $909 in your pocket within the first 12 months? Excellent news: We have got you lined.

This prime bank card decide dishes out a deep bench of perks, together with:

  • The very best money again price we’ve come throughout
  • As much as 5% money again
  • A zero% intro APR provide that may prevent $1,148 in curiosity costs
  • No annual payment

Merely put, this card is among the many greatest we have ever come throughout. It is so good that the cardboard is a favourite decide of many bank card consultants on The Ascent staff use themselves.

The Motley Idiot owns and recommends MasterCard and Visa, and recommends American Categorical. We’re agency believers within the Golden Rule, which is why editorial opinions are ours alone and haven’t been beforehand reviewed, authorized, or endorsed by included advertisers. The Ascent doesn’t cowl all provides in the marketplace. Editorial content material from The Ascent is separate from The Motley Idiot editorial content material and is created by a special analyst staff.

The Motley Idiot is a USA TODAY content material associate providing monetary information, evaluation and commentary designed to assist folks take management of their monetary lives. Its content material is produced independently of USA TODAY.

Our bank card skilled makes use of this card, and it may earn you $1,148 (severely)

Supply from the Motley Idiot: So long as you pay them off every month, bank cards are a no brainer for savvy Individuals. They shield in opposition to fraud much better than debit playing cards, assist elevate your credit score rating, and may put lots of (or hundreds!) of in rewards again in your pocket every year.

However with so many playing cards on the market, it’s essential to select correctly. This top-rated card provides the power to pay zero% curiosity on purchases till late 2021, has among the most beneficiant money again rewards we’ve ever seen (as much as 5%!), and by some means nonetheless sports activities a $zero annual payment.

That’s why our skilled – who has reviewed lots of of playing cards – signed up for this one personally. Click on right here to get free entry to our skilled’s prime decide.

Learn or Share this story: https://www.usatoday.com/story/cash/purchasing/2020/10/17/the-perfect-credit-card-combo-for-families/42750289/


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