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Forum » What’s the best cash back credit card if I’m about to spend a bunch of money at least $2000
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Thread: What’s the best cash back credit card if I’m about to spend a bunch of money at least $2000

post 10000185428 05-25-2026, 02:41 PM
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  1. Basedbabyy
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What’s the best cash back credit card if I’m about to spend a bunch of money at least $2000

Title
post 10000185467 05-25-2026, 02:57 PM
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  1. radrd
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>$2,000
>Bunch of money

Pick one

Citi Double Cash is pretty good at 1% when you spend and 1% when you pay it off on everything. If you're doing the majority of your spending at a place like Amazon or Costco, their cards will net a higher percentage. Other cards have spend categories like restaurants, groceries, and gas stations where you can get higher percentages back. You kinda have to research on sites like Nerd Wallet. There are YT channels dedicated to credit card rewarda too.
post 10000185471 05-25-2026, 03:00 PM
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If you're about to drop $2k, a lot of cards have introductory offers like "Spend $6k in the first 6 months and get 100k airline miles" or whatever. This gives you a $2k head start on that, and if you live in a first world country making up the $4k with general spending (food, bills, gas) is easy.

So do that.

A lot of the cashback (2-5%) is pretty much the same everywhere.
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post 10000185719 05-25-2026, 05:46 PM
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Citi strata Premier

3x or restaurants, plus gets you halfway there to its 60k reward. Also has great categories like 3x on gas and groceries.

Or

Chase Sapphire Preferred

3x on restaurants and 75k welcome bonus but shitty point categories but better transfer partners
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post 10000185736 05-25-2026, 05:59 PM
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well we need to know wut ur buying cuz categories can matter

also wuts ur credit score
post 10000186320 05-26-2026, 11:07 AM
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  1. monster0ultra
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If it's a 1 shot thing, then just google welcome bonuses, find the best one, do that, finish it, cancel the credit card after, no need to overthink past that. The cash back percent is mostly irrelevant because the welcome bonus will be much more.

I've done this many times whenever I know I have a 1 shot purchase coming up that will finish the welcome bonus. You can keep doing it up to a point, then the Israelis at the CC companies start denying you the welcome bonus.
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post 10000186435 05-26-2026, 12:07 PM
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  1. radrd
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Originally Posted By monster0ultra⏩
If it's a 1 shot thing, then just google welcome bonuses, find the best one, do that, finish it, cancel the credit card after, no need to overthink past that. The cash back percent is mostly irrelevant because the welcome bonus will be much more.

I've done this many times whenever I know I have a 1 shot purchase coming up that will finish the welcome bonus. You can keep doing it up to a point, then the Israelis at the CC companies start denying you the welcome bonus.
Closing lines of credit and having short-lived credit both negatively impact your credit score, so I wouldn't take this approach on a regular basis. Finding a card with a strong welcome bonus is a good idea.
post 10000186455 05-26-2026, 12:15 PM
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Depends on the categories. Outside of that, hard to beat Wells Fargo Active Cash at 2% for everything else. There are some that do 3%-5% but have relatively low limits (i.e. 3% up to $6k, then drops to 1% after that).
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post 10000186493 05-26-2026, 12:31 PM
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For those who are into the credit card games, you can pay your taxes with credit cards to max out these bonuses. Sometimes the cash back is more than the fee.

https://www.irs.gov/payments/pay-your-taxes-by-debit-or-credit-card

In response to OP's question, Citi DoubleCash is best for beginners
post 10000186508 05-26-2026, 12:37 PM
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Not srs

Good advice on the intro cards for you @Basedbabyy
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post 10000186509 05-26-2026, 12:37 PM
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Just bought this for my friend, gift for her dad. Brb I get the points and spend history up for a juicy Daytona or something else hard to get.

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post 10000186517 05-26-2026, 12:40 PM
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Originally Posted By radrd⏩
Closing lines of credit and having short-lived credit both negatively impact your credit score, so I wouldn't take this approach on a regular basis. Finding a card with a strong welcome bonus is a good idea.
I'm not an expert on credit score so you could be right.

That being said, my credit score is around 780-790 and I don't put any thought or effort into it and I churned and canceled credit cards a lot.
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post 10000186533 05-26-2026, 12:49 PM
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  1. GordonXXX
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Bank of America® Customized Cash Rewards Credit Card

Earn 6% cash back for the first year from account opening in your choice category. Plus, get a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

No annual fee†
Earn 3% cash back + 3% first year cash back bonus in the category of your choice: gas and EV charging stations, online shopping/cable/internet/phone plans/streaming, dining, travel, drug stores/pharmacies, or home improvement/furnishings.
Earn 2% cash back at grocery stores and wholesale clubs.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Earn unlimited 1% cash back on all other purchases.

https://www.bankofamerica.com/
post 10000186653 05-26-2026, 01:54 PM
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  1. radrd
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Originally Posted By monster0ultra⏩
I'm not an expert on credit score so you could be right.

That being said, my credit score is around 780-790 and I don't put any thought or effort into it and I churned and canceled credit cards a lot.
Seems like it might not be hurting you much if it isn't significantly changing your credit utilization.

https://www.onepay.com/blog/does-canceling-a-credit-card-hurt-your-credit#summary
post 10000186679 05-26-2026, 02:12 PM
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Originally Posted By GordonXXX⏩
Bank of America® Customized Cash Rewards Credit Card

Earn 6% cash back for the first year from account opening in your choice category. Plus, get a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

No annual fee†
Earn 3% cash back + 3% first year cash back bonus in the category of your choice: gas and EV charging stations, online shopping/cable/internet/phone plans/streaming, dining, travel, drug stores/pharmacies, or home improvement/furnishings.
Earn 2% cash back at grocery stores and wholesale clubs.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Earn unlimited 1% cash back on all other purchases.

https://www.bankofamerica.com/
Nobody uses Bank of America anymore you boomer
post 10000186737 05-26-2026, 03:02 PM
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#16
  1. Basedbabyy
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Originally Posted By radrd⏩
Closing lines of credit and having short-lived credit both negatively impact your credit score, so I wouldn't take this approach on a regular basis. Finding a card with a strong welcome bonus is a good idea.
Originally Posted By MiscDetective⏩
For those who are into the credit card games, you can pay your taxes with credit cards to max out these bonuses. Sometimes the cash back is more than the fee.

https://www.irs.gov/payments/pay-your-taxes-by-debit-or-credit-card

In response to OP's question, Citi DoubleCash is best for beginners
I don’t close them I just use them enough to get the welcome bonus then pay them off and lock the card I’ve probably got 10 or more credit cards locked that I don’t use anymore
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