Amex Offers and Chase Offers are two of the most popular daily deal/merchant discount programs offered by credit card companies. You can get a wide variety of discounts and statement credit deals from them.

Our editors also update their picks for the best credit card deals and promotions on a weekly basis, so I recommend checking out their latest selections to see what’s hot right now. As long as you get a card from a major issuer, you should have access to daily deals as well.

I think those list on credit reports as the same kind of account as a general use credit card if I’m not mistaken. I’d just stick with the credit cards that can be used anywhere, rather then retail. However, if you use Amazon, the Amazon store card is relatively easy to get and give 5% cash back on Amazon purchases. Useful because Amazon sells practically everything.

My wife is a Amazon and Macy’s freak , so we naturally have those. I’m at Best Buy every week and have a elite status because im consistently buying shit I don’t need. Nordstrom’s is cool, well if you wait for product to make it to the Nordstrom’s Rack store.

Amazon. Easily racked up to $150 in credit without even knowing and have only had it for less than a year.

Or perhaps Target and/or Walmart. Big box stores like that would be the most useful

Target and AZ would be my picks. And HD or Lowe’s could be good—APRs are high so you must commit to paying in full each month, but each of those runs 0% promos from time to time, and it’s easy to get credit line increases (call and tell them you’re thinking about replacing all your kitchen appliances…)

1. HDFC
2. AXIS

Sbi cards

HDFC SBI

The big 4 : HDFC, SBI, ICICI, AXIS

Hdfc has the highest instant discounts on Amazon

Does it work on bank offers? Maybe last or the year before the last year HDFC's business series cards didn't work on sale offers.

You should have basic/LTF cards from 4 top banks, in this SBI has the most frequent offers AFAIK

Axis: MyZone, Neo, Airtel Axis(even tho it's cobranded I have seen it work on every Axis offer)

HDFC: Millennia, Freedom, Moneyback

SBI: SimplyClick/Save, Reliance, BPCL

ICICI: Coral, Platinum

The first card I have written in front of each bank comes highest in preference for u to get, also if they give u some other higher LTF Core Card, take it

ICICI CORAL, AXIS NEO/MYZONE(being offered LTF currently), SBI Simply series cards or BPCL cards(if you have fuel expenses).

As you already hold cobranded card from HDFC so you can't get their core cards hence get Pixel play from PAYZAPP app, it works on bank offers and currently being offered LTF but the catch is you need to splice limit form existing card to allot to pixel.

Does Airtel Axis work during Flipkart Sale discount or it is not considered.

SBI cb isn't eligible for instant discount. Apay icici also isn't. Flipkart axis no idea. Hdfc cobranded cards are not eligible 95% of the time for discount .

If you used Hdfc shoppers Stop for roughly a year or more and your income is >35k per month, close it and wait for a month or so and apply for millenia..

I had hdfc shoppers stop from feb 2024 till April 20th or so. I got fed up with it and closed it. And I applied for millennia 2 days later even before shoppers stop was completely closed. Initially they rejected it and 2 weeks later out of the blue they sent the card out for delivery lol.

In any case it's better to wait for month or so before reapplying

But freedom is a chargeable card and it isn't worth the 500 annual fee. Also nobody knows the upgrade scope from Freedom.

Us bank has the shopper cash rewards visa which gives you 6% back off 2 retailers of your choosing at the max $1500 per quarter. Target, Best Buy, Amazon, Walmart are all eligible for the 6%. The only caveat is that the card has a 95$ annual fee (waived the first year though. So you would really need to max the 1500$ quarter for the card to be worthwhile longterm though.

If you add the Cash+, you could use electronic stores as an option and that would cover places like Best Buy and Apple at 5%.

Also worth mentioning, the Altitude Reserve is a fantastic option for Target and Best Buy since they both take Apple Pay. That’s an unlimited 4.5% back with an effective annual fee of $75

Other than that, the store cards for each place would be the best bet for you. However, if you don’t want to juggle too many store cards, definitely consider the US Bank cards above I mentioned.

For Target, you can get the Red Card Debit, which isn't a credit card so it doesn't affect your credit profile at all while giving you 5% discount on everything in Target.

For Amazon, there is the Amazon Prime card which gives unlimited 5% on Amazon as long as you got Prime. If you don't have Prime it is 3%. There is also the Affinity card which also gives 5% on Amazon and bookstores.

For Best Buy, there is the US Bank Cash+ or Elan MCP, it has an electronics store 5% category which does include places like Best Buy or Apple. There is also the Best Buy Visa card, but that pays out in Best Buy reward points which is not cash back.

The other contenders for general online purchases would be your Amex BCE which is 3%, PayPal card which is another 3%, and the BoA Customized Cash which is 3% to 5.25% depending on how much money you got stashed with BoA or Merril Lynch.

Your BCE has 3% for online retail or maybe the BofA customized rewards that also has an online shopping category. You could also get the target debit card which gives you the 5% discount but pulls automatically from a debit account!

The Amex BCE is one of the cards for online shopping and you already have that. Store specific cards like Target and Amazon could also help because they earn 5%.

If you don't already use Rakuten that's another way to get cash back on online shopping on top of the rewards you get from credit cards.

If you already use there same day delivery, order Target straight from Shipt. It’s the company that delivers for them and it codes as grocery. Same price and same people shopping the order. Also the BCE covers online spending.

The answer really depends on where you grocery shop and how much you spend. If at regular supermarkets and you have higher spend, I would recommend the Amex Blue Cash Preferred (if you spend around the $6,000 annual cap) or the Citi Custom Cash (if you spend around the $500 per month cap). If you spend less at regular supermarkets, I would consider the Amex Blue Cash Everyday or the Capital One SavorOne. Others may be better to respond regarding a card for Costco shopping because I don't shop there, but I would imagine good choices would be the Wells Fargo Active Cash (Visa), FNBO Evergreen (Visa), and the TD Bank Double Up (Visa).

If you shop at Costco you're going to need a Visa. Costco doesn't code as groceries so you'll need a general cashback card.

I can recommend the Venture X for a travel card or the Wells Fargo Active Cash as a general use card. 2X or 2% respectively.

If youre shopping at supermarkets besides costco, the Capital One SavorOne will get you 3% back.

Capital One Savor Card. 3% cashback on dining and groceries, 1% back on everything else.

Two cards that come to mind that get 3% at all of those are the venmo visa and the NIH FCU rewards card

Amex Blue Cash Everyday is 3% (up to $6000 a year) at grocery stores is a good possibility on top of the Savor One the other person suggested. Amex is a bit less widely accepted than MasterCard (which is what the SavorOne is) but all major grocery stores around me take it.

Careful with Costco, not only are Wholesale Clubs often coded differently than grocery stores (so cards that advertise a % off on grocery won’t count at Wholesale Clubs or even big box stores like Walmart/Target), I believe Costco ONLY accepts Visa. If you have a Costco membership and shop there a lot, I have heard good things about their own Costco credit card.

Ps: Also be careful before applying. Some cards have similar names. Such a Capital One has a Savor card that has an annual fee where the Savor ONE does not have an annual fee. Same deal with Amex and the Blue Cash Everyday (no annual fee) and the Blue Cash Preferred (annual fee). Annual fee cards can make sense if you use them enough where the boosted rewards they offer outweigh the annual fee but I personally avoid annual fee cards because I don’t have to do a math equation to figure out if it makes sense for me or not.

Besides USB Cash+, you can get what are essentially a clone of it via Elan Max Cash Preferred thru various Credit Unions. I haven’t checked the categories. Incomplete list of CUs: https://www.doctorofcredit.com/elan-max-cash-preferred-5-on-two-categories/amp/

You don’t want to pay AFs, but once you get a USB Cash+, you should consider eventually in the future the Altitude Reserve if you have a lot of mobile wallet eligible purchases. $75 effective AF and 3% via mobile wallet (which redeems as 4.5% towards travel)

If they’re always department stores like those you list, USBank Cash+ gets 5% back if you choose that category, on up to $2,000/quarter.

There’s an up-to-date wiki page linked in the sidebar listing flat cashback cards giving 1.5% or higher. I’d look there for options.

One thing you could do is when you find something you like in the store, you might be able to buy it on your phone for in-store pick up.

Not all cards are good for all people. If you don't benefit from travel rewards and perks, avoid those cards.

BoA card mentioned below may be of interest. Also some of the cards with rotating 5% categories (e.g. discover it) have paypal, amazon, walmart.com, etc. as rotating categories. Won't be active all the time but if you're willing to juggle a couple of those and are able to plan ahead for big purchases, you can probably get most applicable purchases at 5%+.

If you frequently use a specific site, e.g. amazon, you may also be interested in co-branded cards (e.g. chase and amex amazon cards) or cards that have a sign-up bonus particular to that merchant (e.g. blue cash preferred).

Because this is not category that tends to get high ongoing rewards, it may be worth some combination of getting some of the above in sequence to benefit from their SUBs and as keepers/defaults for online spending, as well as considering whatever cards have decent cash SUBs at any given time for future purchases that don't fit your cards' rewards/schedules.

Churn SUBs.

Otherwise, 5% rotators (buy gift cards if safe w/that card), BOA Cash Rewards, AMZ cards, Altitude Reserve if Mobile Wallet is a payment option.

BoA customized cash. Set the 3% to online shopping. Although it's only $2500 each quarter

Your observation is spot on! It seems like the emphasis is often on travel rewards, but for many, online shopping is where a significant chunk of spending happens. If you're leaning towards straightforward cashback rewards, you might want to explore the world of Team Carts.

While not a credit card, Team Carts offers a fresh perspective on online shopping. It allows you to organize your finds, get feedback from friends, and discover new brands. It's a unique platform that brings a social and collaborative aspect to your online shopping experience, making it not just about saving money but also enjoying the process.

Consider giving it a shot alongside your preferred cashback cards, and see how Team Carts can add a new dimension to your online retail adventures. Happy shop

5.25% back all online shopping with BoA Customized Cash Rewards at platinum honors tier if you select online shopping as your 3% category.

Regalia gold + sbi cashback

Amex plat travel + SBI cashback. If you want plat travel referral for extra 2k reward points you can dm me