What's up everybody welcome back to my channel today's video, I'm going to be talking about a car that I love as far as the best cash back card of 2019. I also have with me Duane from how to build credit TV. He will be giving his input on the best card that he likes for the Year 2019: cash back wise, all right now, Duane, if you don't know him, he runs the channel how to build credit TV. He is a really great source for information when it comes to credit cards, how to build credit, and if there's anybody that I wanted to do a video with as far as cash back, it would definitely be Duane.

So thanks so much so, let's get right into this video. My pick on the best cash back card 2019, so my favorite card 2019. As far as cash back is going to be the discover it cash back card. Everybody knows discover, discover, really prides themselves on having no annual fee.

So what do you think so? This card has no annual fee, which is pretty awesome and a lot of cards who don't have annual fees? You think the car may not be really good. It may not have any value. This card proves us all wrong, so no annual fee 5 % cash back the per quarter. So you have four quarters in each year.

Three months is the time span for each four times, three being the twelve months. We have total in a year you get 5 % cash back, depending on with that quarters. Given to you all right and I'll. Tell you what those that count under is for this year, a little bit but 5 % cash back up to $ 1,500 per quarter, which is pretty awesome.

One percent unlimited cash back on any other purchase you're going to match your first year and all the cash back points you've earned. There is no max to that. There's no cap on it after the first year, all right! So that's pretty awesome. So all those points that you've accumulated in year - one - and I'm telling you really try to do as much as you can on this card, because you get it all back 100 % after the first year, which is pretty awesome.

You also get the freezer card one and off, which I think it's pretty awesome. Some companies, if you call them - and you tell them - you - may have misplaced your car. Do you think it's lost they'll, close it out right away? If you do this online, you can literally press a button, freeze it on unfreeze it off. So if you lose your card, don't panic and call it discover right away, just freeze it see if you can find it.

If not, you can't find it within about a dare so just give them a call to have them close it out, but that's pretty awesome. It also offers 0 % intro APR for the first 14 months on purchases and balance transfers. So if you're somebody who maybe make you know you have to make a big purchase within this last six to 12 months, go ahead and put it on your Discover card. Just please pay it off a fool, obviously, but you get 0 % APR for 14 months.

On purchases and also balance transfers, you also get your FICO score for free as well, which I think it's pretty pretty awesome. So you get to keep track of your credit score and you know just to have it at your disposal, for free without going to a different website, is very convenient, there's so many other companies that give it to you. But it's really awesome, then, let's get into what the calendar is showing us for the year of 2019 as far as the 5 % cash back, so the first three months, which is them. You know we're in February right now so January through March.

This is the quarter that we are on. We are getting groceries, okay, it excludes Walmart and Target purchases, but groceries five percent. Fifteen dollar value is the max April to June we're doing gas uber and lyft July to September restaurants October, to December Amazon, and this one is awesome because it's holiday time so, as you can see, discover it card just doesn't give you categories that people don't use. They're actually really, given your categories that people use, everybody goes to the gas station, people take ubers, they go grocery shopping, they eat at restaurants.

They use Amazon, so they're, really giving you five percent cashback on places that people actually go and use awesome all the time right. So the car that I would compare this to, but the reason I give I compare this car to the Chase Freedom Card. It does the same thing: five percent cashback fifteen hundred dollars max per quarter. The biggest difference, though, is the cash back.

The cash back match at the end of the year. The Chase Freedom doesn't do that. I think. Instead, they just give you back.

One hundred and fifty dollars, if you spend five hundred within the first three months, so they give you a sauna bonus in the beginning, as opposed to discover they give you the cash back offer at the end. But I would still try to discover, because you can really maximize that more than the one hundred and fifty dollar you know bonus at the Chase Freedom Card is going to give to you, alright everybody. So that is my pick from my favorite cash back car for 2019. Let's get back over to the Wayne thanks, so much great pick Walt.

As a matter of fact, I was able to get a lot of cash back with the discover it card. So I like that cash back card a lot as for me when it comes to cash back credit cards, I'm gon na be talking about what I consider to be one of the black sheeps in cash credit cards. I'm going to be talking about the u.s. bank cash plus card.

Now this credit card actually allows you the ability to earn 5 % cash back, and what I like about this card is the fact that you can actually get some customization in regards to choosing what categories you're going to earn 5 % cash back on now. The fact that you get to choose which category you can get 5 % cash back on makes this card a lot more powerful than the traditional 5 % cash back card. So what I'm gon na do right now is I'm gon na jump onto the laptop and just kind of show you how you can customize your 5 % cash back categories as well as what those 5 % cash back categories are, so that you can, you know, Kind of be in the know when it comes to being able to choose your 5 % cash back category with the US bank, cash plus credit card. So give me one second and I'll, see you over on the laptop okay.

So at the website here, where I can log into my US bank cash plus card and select my categories that I want to earn 5 % cash back on. So it's asking for my five digit zip code. Then it's asking for the last four of my card. I'll go ahead and do that so you guys can kind of see and my last name as well.

Okay, then I'm gon na click on sign-in. Now I just realized that I hadn't selected any category for the first quarter of 2019, and that shows you number one. I'm forgetful and I just automatically assumed okay cool. So that's something that you have to keep in mind when you have a cash back card that has specific categories.

You got to make sure that you sign for each category each quarter, so I don't have anything selected as you can see here. It says no category selected from January through March, so that means I have not been getting any 5 % cash back on what I normally do. So let me go ahead and choose my categories for January, through March 2019 and kind of show you guys what the options are so in the past. Okay, as you can see here, it says January through March 2019, reactivate previous categories.

So it says you spent nine hundred and sixteen dollars towards your two thousand max in 5 % cash back category this quarter, and so I, for some reason I don't have anything selected. So I'm just gon na go and click on reactivate, because that's currently what I had set up, I'm gon na click confirm and then I'm gon na go ahead and show you guys basically what the categories are. So let me go ahead and scroll down here. Great now the quarters activated sweet, I'm gon na go ahead and click on choose category for April through June 2019 and show you guys alright.

So, as you can see here, there are two categories that you can choose to get 5 % cash back on. So all of these right here, which is one two three four, these twelve categories right here - you can choose two of those where you can get 5 % cash back on, and this makes it very powerful, because clearly you can choose categories that really benefit you, so They now have a new category, which is TV, Internet and streaming services, which i think is really good, because most people have their cable and TV all bundled into one. And of course, people have Netflix or Hulu or whatever your streaming services are so on a month-to-month basis. You can get quite a bit of cash back doing that or if you have expensive utilities, you can do that as well or if you go to the movie theaters a whole lot.

You can do that as well. There's fast food that you can do for five percent cashback as well. There's select clothing stores, there's gyms fitness, centers cellphone providers, that's one of the ones that I use. I'm gon na go and click on that there's electronic stores there's a pretty decent selection of electronic stores that you can get five percent cashback on there's furniture stores, department stores, sporting goods stores, ground transportation, so the two that I chose normally and that I will choose For the second quarter of 2019 is going to be home utilities and cell phones, because I have other credit cards where I get 5 % cash back, or you know at least four percent cash back on different categories over here to the right.

It allows you to choose one category that you can get two percent cash back on of course, so I'm gon na go ahead and select gas station. Once again, I do have another card that allows me to get more than two percent, but I just select it to have something selected. So, as you can see here, there are basically two categories that you can choose to get five percent cash back on. For this quarter and of course, when the next quarter comes around, you can choose those two categories again or you can choose two other categories, and then you can choose one category where you get two percent cash back on, of course, with anything else or any other Purchase you're gon na get one percent cash back.

So once you choose your categories, just go ahead and click activate categories and of course, I'm doing this for myself as well, and that's pretty much it so, as you can see here, I do have two categories set to go, even though I not two categories. Two quarters set to go even though I didn't choose any categories for the first quarter in the year, which is really really bad, but that would explain why I was looking at my statement and didn't see five percent cashback rewarded to me. I was trying to figure that out, but I didn't care a whole lot. Hopefully you do better than me and make sure you stay on top of it and choose your categories set a reminder in your phone, so you don't forget.

Okay, thank you for watching this portion of the video I'll, see you guys back in just one second, okay, so there you have it. There is my particular 5 % cash back pick for 2019. Thank you so much for watching this video and I'm glad I was able to do a collaboration with Walt from the credit card maestro and, if you haven't subscribe to his channel, be sure to do so. If you haven't subscribed to my channel be sure to do so, if you like what we just talked about so thanks again for watching and I'll see you in the next video, alright everybody, so I hope you really enjoyed that video again Doane.

Thank you so much. If you don't know who he is, I will put his description and YouTube channel down below again. He is somebody as a really great source for anything credit he's had a lot of experience he's a lot of personal experiences. It has a lot of knowledge in this and has a lot of background.

Ok, so doing thanks so much for this collaboration again guys, I'm still doing the $ 100 Amazon gift card for you lucky subscribers will win $ 25 each we have to get the 2,000 subscribers, though, so make sure if you are a new subscriber or you just Haven't done this yet make sure you comment below that, you subscribed tell me if you like this collaboration with me and Dwayne. I think it was a really awesome collaboration and I will enter you into the drawling again. I will be picking four of you as soon as we hit 2000 subscribers. I want to thank everybody for tuning in have an awesome day.