Best Credit Card Comparison for Cashback / Rewards

Smart Use of Credit Card

Choosing the right credit card depends on how you spend — whether it's travel, groceries, online shopping, or international travel. Here's a comparison of popular credit cards across key features like cash back, reward points, foreign transaction fees, and annual fees.

Credit Card Comparison Table

Credit Card	Cash Back / Points	Foreign Transaction Fee	Annual Fee	Key Benefits
AAA Travel Advantage Visa	5% gas and electric vehicle charge stations., 3% On grocery store, restaurants, travel and AAA purchases., 1% other	None	$0	Great for travel & gas
AAA Daily Advantage Visa	5% grocery, 3% On gas/EV charging, wholesale clubs, streaming services, pharmacy, and AAA purchases, 1% other	None	$0	Great for travel & gas
Chase Amazon Prime Visa	5% at Amazon & Whole Foods	None	$0 (with Prime)	Best for Amazon shoppers
Verizon VISA	4% grocery/gas, 3% dining, 2% Verizon	Charge	$0	Rewards can reduce Verizon bill
Discover Cashback	5% rotating categories (up to $1,500/qtr), 1% other	None	$0	Cashback match in first year
Venmo VISA Credit Card	3% top spend category, 2% next, 1% other	Charge	$0	Customizable rewards
Chase Sapphire Preferred (Visa)	3x dining, 5x Lyft ride 5x Travel via Chase Travel 2x all other travel 1x other	None	$95	Strong travel & points card, $50 hotel credit via Chase Travel, Free DoorDash membership
PayPal Cashback Mastercard	3% all category via Paypal checkout, 1.5% elsewhere	Charge	$0	Simple flat rewards
Robinhood Gold Visa	3% cash back on all purchases (Gold tier)	None	$0 ($5/mo Gold)	Great flat rate for investors
Chase Freedom Unlimited (Visa)	1.5% flat + 3% dining/drugstores	Charge	$0	Good all-rounder
Apple Card (Visa)	3% Apple/Merchants, 2% Apple Pay, 1% other	None	$0	Privacy + Daily Cash
Wells Fargo Active Cash Master Card	2% unlimited cash back	Charge	$0	Simple & consistent rewards
BILT Mastercard	1x point for Mortgage or Rent payment	None	$0	1x point for Mortgage or Rent payment

📝 Summary

• Best for Travel: AAA Travel Visa, Chase Sapphire Preferred
• Best for Online Shopping: Amazon Prime Visa, PayPal Cashback
• Best Flat Cashback: Wells Fargo Active Cash, Robinhood Gold
• Best Custom Rewards: Venmo Visa, Discover It Cashback

📝 Scenario 1: Buying groceries at Costco

• If you’re a Costco Executive member, you get a 2% cash back reward.
• If you pay by Robinhood Gold Visa or AAA Daily Advantage Visa, you get 3% cash back.
• So you get 5% cash back in total.

📝 Scenario 2: Buying groceries at Trader’s Joe or Safeway

• If you pay by AAA Daily Advantage Visa, you get 5% cash back immediately.

📝 Scenario 3: Pay Gasoline at any gas station or Pay at any EV Charging station

• If you pay by AAA Travel Advantage Visa, you get 5% cash back immediately.

📝 Scenario 4: Pay your property tax

• If you pay your property via Paypal Checkout with your PayPal Master card, you get 3% cash back. Usually a county charges 2.50% of the transaction amount when paid by a credit card. So you will get 0.5% cash back in total.
• For example, if your property bill is $12,000, then your bill will be increased by (12000 x 0.0025 = $30) due to 2.5% service fee and Paypal checkout will get (12030 x 0.005) = $60.

📝 Scenario 5: Purchase anything

• As a default, you will have to pay by Robinhood Gold VISA to get 3% cash back.