Best cash-back cards of 2014

The 8 most generous cards

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33 comments on “Best cash-back cards of 2014

  1. I was always a little confused on the recommendations for the top few with annual fee. if you take off 100 or 120 for the annual fee off the estimated cash-back rewards… shouldn’t some of the non-fee credit cards be ranked higher.

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    • Nathan, we’ve already factored in the annual fee. In other worlds, we’ve already subtracted the $99/$120 annual fee from the annual rewards and they still come out on top. Hope this helps!

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  2. Not sure why you do not evaluate the MBNA World Elite. You receive 2% cash on all purchases regardless of merchant. The Scotiabank card is of course merchant dependent and based on your spending habits the MBNA card easily can come out on top. Personally, I use the Scotiabank card for all gas and groceries which earns 4% and all other purchases go on my MBNA Elite . . . the best of both worlds!

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  3. the website and its layout is just bad… scattered over too many web pages…even a single article is so frustrating to navigate. have to refresh page everytime i want to read a review of cc. waste of time. good article but its just this layout n presentation thats poor.

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    • I consider myself pretty computer and certainly internet savvy. The website is so unuserfriendly, I gave up and had to write this comment

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      • agree.

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        • Mobile experience was surprisingly superior. Included details on the cards.

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  4. This is the worst page design ever. Is it about racking up pageviews? An article that’s supposed to be about what credit card provides the best consumer experience on the worst imaginable layout I’ve ever seen.

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    • Agreed – I gave up after 2 minutes… awful.

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      • I only realized it was not broken (where are the cards?) after reading your comments, awful

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        • I’ll never know what the #1 credit card is because I gave up after 3 page scrolls. This web design is awful.

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          • I agree. This is pure “link baiting.” They get higher page ranking on search engines if readers click more of their pages. It’s just marketing the readers.

  5. CIBC Platinum Dividend Card … we`ve had it for years and annually receive over $600 per yr cashback

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  6. I checked out the Rogers card. You don’t get cash back…you get Roger’s rewards points which can be redeemed on cell phone upgrades, data plans etc.
    Am I missing something here? This isn’t a “cash back” card.

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  7. Where does the new Capital One Platnium Master Card (Costco Members) fit into this picture?

    I also agree this webpage design is poor.

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  8. Where is the artle

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  9. BRUTAL layout. Have you actually tried reading your own article? Click-wait-click-wait-scroll…. Here’s an idea: put a few hundred words on a screen with a photo, and a caption. Ad a “next page” button. . Put a “show all” button (or “reader view” link).

    It’s unfortunate that such a well-researched article cannot be easily read.

    Bubba

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  10. This might be the worst websites I have ever had the misfortune of navigating through.

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  11. It only took me about 5 minutes(waaay toooo looong) to accidentally scroll over the right side of the picture and find an arrow key that let’s you cycle through the different cards and only a minute more to realize the descriptions were on the right side of the page hidden among the many ads and extra related info links. Would like more info about each card though.

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  12. I have been a BNS customer all my life . I wanted to upgrade from a Visa Momentum to a Momentum Infinite, but my income (retired teacher) is far less than what they require. So i simply told them what they wanted to hear ( i lied). I had the card within a week. Of course I pay it off every month. Want a second card for free? just report your chip or strip isn’t working.and receive a “replacement”.. I use the card for everything and got over $5oo cash back last year.

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  13. Could not find them on this CRAZY website.Gave up!!

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  14. As others have already stated, brutal layout! I wish I had the patience to try to read beyond the 4th “photo”. I’m sure lots of research went into this. Too bad it’s A) buried in this terrible webpage and B) insufficiently detailed. Waste of my time. Bye!

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  15. What about MBNA’s Smart Cash Platinum Plus MasterCard? 1). It’s a no fee platinum card. 2). It has a great cash back program. Almost as good as Scotia Infinite Momentum, this article is obviously biased as the Rogers card shouldn’t even be in this line up, and by them disclosing that the magazine is owned by Rogers does not excuse that.

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  16. Can’t see any of 23 comments on your website for this section… Tried with dff browsers. YOu must have any issue…

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  17. I was very surprised not to find the CIBC Visa Infinite Dividend Card in this list. When I got it (many years ago), it was being ranked as the best, and now it apparently can’t make the top 8. It still does well for me and I can’t keep getting new cards trying to keep up, but this list surprised me.

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  18. Try the credit unions, for the ultimate in card value…I use the Steinbach Credit Union (SCU) World Elite Mastercard, and get 2% cash back on all purchases. Annual fee $150 and no limit to your rebate like some other cards.

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  19. Interesting comparison. However, I would like to point out that the retailer that accepts these credit cards is charged a premium interest rate to do so. I recently had a client put through a charge of $300 and it resulted in a fee to my business of $6.50. the people that pay for these “rewards” is your retailer. We are trying to make a living with our various businesses and the introduction of these cards has resulted in a decrease in our bottom lines. How can that be a fair practice? We have families, mortgages, and want to have a comfortable retirement. Tell me how we can do so with credit cards constantly eroding our bottom lines?

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  20. where are the comments? I signed up…

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  21. Awful webpage layouts….consider revising and republishing

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  22. Scotia Momentum is the best, however there is a catch. You can pay a full year fee and not get a full year of rewards. For example, if you sign up on July 1, you get your reward on your November statement then your fee comes up on July 1 again. If you do not renew, you can go to the no fee card but your rewards are back dated to the previous November at the no fee rate!! In other words, you paid a fee July 1, got proper rewards to November, then got no fee rewards to next November. You paid for 1 year and got 4 months of rewards at the level you paid for. Shame on you Scotiabank!! I figured this out when I left the Momentum card for Capital One. Since I had $500 in rewards built up, I simply swallowed the fee because losing half my reward would have cost $250, the fee was cheaper. Perhaps Scotiabank’s slogan for this card should be ‘if you want a full year of rewards, please only sign up in November”. CIBC’s fee cash card moves ALL your reward to the no fee card if you decide to leave. I wonder how many people have learned about the Momentum card the hard way. Scotia kicks you in the pants as you walk out the door.

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  23. I’m using Scotia Momentum Visa Infinite. On average I can get $150-$190 cash back every month

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  24. The worst credit card I have ever used is WalMart Finacial MasterCard!!! It took 2 months for them to get me the credit for my return and it took them 30 days to process a check to get my credit. Their process is extremely slow! Very slow! Super Slow! I am so so so happy that I cancelled their services.
    Don’t use their credit card. It’s a garbage!

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