The ULTIMATE Cashback Credit Card Guide (2026)

I got approved for Robinhood gold shortly after setting up a bank account with them and transferring 1 dollar into my checking and savings. Not sure if that helped me get approved sooner but I was on the waitlist for 2 years and it was only a couple weeks after doing that I got approved.

fidelity into a 529 means tax free college money with 18 years of growth, no brainer for maximum value

Just got off the waitlist for RH

You should cover the Robinhood Platinum card

This video is incredibly thorough and not annoying

Robinhood Gold only makes sense if you spend $5000 on it per year minus whatever benefits

You can have both AAA credit cards. I have both

Verizon credit card gives me 4% back on gas, groceries, restaurants and verizon store

Great analysis. Super happy to have found your channel

thank u

Why doesn’t anyone make a video about simplicity. 1-2 credit cards and what cards work best with specific lifestyle i.e. single, married, married w/ kids, travel, etc. With all the changes I feel like a majority of people want simplicity and will take not getting “max” rewards for a setup that fits their lifestyle and gets them decent cash back or points or both. It’s become too much trying to tackle what card for this and what card for that. It may just be me, but I feel like a lot of people would value a video that doesn’t show them 100 cards that “max” value out; but a good 1-2 cards setup that gets them decent value

Spencer, nice video as always!
I think a mixed strategy may make sense here. Personally, I’d skip the more niche cards and stick with a core setup: the Amazon Prime Visa for that 5% at Amazon, the PayPal Debit (selecting groceries to cover 5% at supermarkets including Costco and the Citi Custom Cash to capture 5% on a different category like Gas or dining.
I'd also add the Bilt Palladium to the mix—it effectively gives 3.33 points on everything, which makes for a killer catch-all. To me it’s a pretty simple yet super strong setup.

What do you think about Amex blue cash preferred for gas, groceries, streaming, and transmit. Citi double cash for shopping, dining, bills, and personal

I started with Costco citi card & Fidelity- not bad but I have worked on increasing the return, Got Amex Blue Preferred for groceries outside of Costco - keep tabs on the cap limit, Amex Gold, Wyndam for gas, FIGFCU-Farmer's Insurance Crystal which gives 3% on all with no cap. No fee the first yr but goes down to 2.5% in the 2nd yr. Might transition after 1 yr. Waited too long for Robinhood and didn't like the details. Got the Chase SR and the Venture X and a few hotel cards. I got the Altitude Connect card-liked no fee but ended up not using and closed. I try to put everything on cards.

Attune is lowkey my favorite card. So many weird categories that none of my other cards do better than 2 or 3 percent.

Spencer this was a great video! I am definitely looking at the Attune & Autograph Duo from Wells. Do you know if you can get both with a single hard pull? You may want to do a video like this for 2X, 3X or 4X duos with NavyFed Flagship as a 2X catch-all and 3X on travel with a $139 Amazon Prime membership credit that negates the $50 AF and you also get TSA/Global Entry and you can combine this with the no AF More Rewards that give 3X on Gas, Groceries, Dinning, Takeout, Tolls, Trains, Subways and maybe parking. I just product switched it from the NO AF 10% Apr interest rate card that is great for balance transfers permanently.

I got off the waitlist earlier this year, after applying for the fidelity credit card. So my backbone card will be Robinhood, and considering getting the Amex blue card for 6% on groceries.

im glad you did a review on cash back cards specifically .

Received email from AAA Advantage will get nerfed on 15 May 26. Walmart will be dropped for Groceries and Gas. Gas must be from stand from alone Gas Stations. Gas from Convenience store will also be dropped. Big box stores will not be effected.

I used to try to maximize but I've given up--too much to keep track of. I have 6 no annual fee cards with recurring subscriptions and set them to autopay to keep them open, so I have a strong credit profile. Only ever use a 2% cash back card for everything else.

I use Robinhood gold, Amex Blue Preferred 6% Grocery and Streaming, Sam’s Club 5% gas and at Sam’s, CitiCustom Cash for dining. and Discover it for rotating categories.

Could be wrong here, but I think you have to select "apparel" category for paypal debit to get 5% at walmart, never tried at costco tho.

Without doubt there are some hidden gems when it comes to cashback when using Credit Unions. Sadly, some of them got nerf 😢

I'm not understanding why everybody goes for the Robin Hood gold instead of the Aven rewards. They're from the same bank and it's much easier to get to Aven.

17:05 Affinity Federal Credit Union has a Cash Rewards Visa Signature Credit Card that gives 5% back on bookstores and office supply stores

Since Amazon started as an online bookstore, it offers 5% back at Amazon, too – it used to be for up to $3,500 per month, but now it’s up to $1,000 per month

Got denied for my first time ever after applying for the Attune! I’m bummed.

Great information..... Just got Pen Fed plat.....

Great information. At this stage of my life, I have turned to simplicity over maximization.

Ocean Air Epic Rewards card:

5 points - gas, travel, hotels
4 points - costco and Sam’s Club
3 points - groceries and dining

and yes each point can be redeemed at 1 cent each as cash with other redemption options

Ventura county only though

Some folks might also be interested in the new ShopYourWay 5321 Visa card. It's
- 5% Gas, EV, Car Washes, Transit, Rideshare
- 3% Dining, Groceries, Travel

Glad to see you getting more cashback content out! This is now the best current cashback guide on the internet IMO. I have mentioned before that I run a full 5% cashback set-up for every category, and I think you did a good job hitting those category-specific cards. You hit every card in my 5% line-up in fact. Great to see you mentioning Aven too! Mine is currently getting me 3-10% cashback on all my purchases due to various offers I've taken advantage of. Fantastic card for me, almost too good to be true, but I am sure it will be nerfed soon. Also, I strangely did NOT get a hard pull on my report when I applied for it back to August, very strange.

i’m guessing this video was made before the aaa nerf announcement? great vid as always tho!!!

Thanks! 👍