Cash Back Comparison Chart

 
    BankAmericard Cash Rewards*   Citi® DoubleCash**   Chase Freedom UnlimitedSM   Capital One®   Discover it®
Spend Category   Reward Rate Reward $   Reward Rate Reward $   Reward Rate Reward $   Reward Rate Reward $   Reward Rate Reward $
Groceries   2% $ 96.00   2% $ 120.00   1.50% $ 90.00   1.50% $ 90.00   1.00% $ 60.00
Gas   3% $ 36.00   2% $ 24.00   1.50% $ 18.00   1.50% $ 18.00   1.00% $ 12.00
Category Spend   1% $ 24.00   2% $ 48.00   1.50% $ 36.00   1.50% $ 36.00   5.00% $ 120.00
Mobile Phone Spend   1% $ 10.80   2% $ 21.60   1.50% $ 16.20   1.50% $ 16.20   1.00% $ 10.80
Other   1% $ 61.20   2% $ 122.40   1.50% $ 91.80   1.50% $ 91.80   1.00% $ 61.20
Total Annual Cash Back     $ 228.00     $ 336.00     $ 252.00     $ 252.00     $ 264.00
Annual Fee     $ —     $ —     $ —     $ —     $ —
1 Year Bonus     $ 100.00     $ —     $ 150.00     $ 100.00     $ 264.00
Total Year Net Cash Back     $ 328.00     $ 336.00     $ 402.00     $ 352.00     $ 528.00
Total Year 2+ Net Cash-back     $ 228.00     $ 336.00     $ 252.00     $ 252.00     $ 264.00
 
*BankAmericard: 1% cash back everywhere, every time, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in
combined grocery/wholesale club/gas purchases each quarter
** Citi: Assumes balance is paid down in order to earn the additional 1% cash back on repayment
 
Monthly Spend Assumptions
Groceries $ 500.00
Gas $ 100.00
Category Spend $ 200.00
Mobile Phone Spend $ 90.00
Other $ 510.00
Total Monthly Spend $ 1,400.00