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The yearly cost of streaming can simply top hundreds of dollars, and the number of streaming service industries is only going up. Instead of canceling Netflix or HBO Max to save money, or trying to replace them with the many free streaming platforms available, here's another idea: Switch to a credit card that rewards you based on streaming subscription fees. The savings come in the form of cash back, which is basically fake money every time you're charged for a subscription you're already paying for.

Netflix , which is table stakes these days, costs $15.49 every month for the most well-liked tier. If you want the shows and new movies on HBO Max, you'll shell out $15 every month. If you have kids or like Marvel or Star Wars, then Disney+ is basically a must-have at $8 per month. Hulu is increasing the tag of its basic subscription from $7 to $8 starting Oct. 10. And if you been to want live TV, for sports and news, you'll shell out another $35 to $70 or more every month for the Sling TVs and YouTube TVs of the world.

The Apple Card*, Amazon Prime Rewards Visa Signature Card*, Blue Cash Preferred® Card from American Express, U.S. Bank Cash+® Visa Signature® Card, Capital One SavorOne Cash Rewards Credit Card* and Capital One Savor Cash Rewards Credit Card* all funds cash back on select streaming video and music service industries. Here's how they stack up.

Six cord-cutter cards compared

	American Express Blue Cash Preferred	Amazon Prime Rewards Visa Signature	Apple Card	U.S. Bank Cash+ Visa Signature	Capital One SavorOne Rewards	Capital One Savor Rewards
Annual fee	$0 skull annual fee for the first year, then $95 (see consumes and fees)	None	None	None	None	$95
Streaming offer	6% cash back on seize U.S. streaming subscriptions	5% cash back on Amazon Prime purchases, including Prime Video Channels	3% cash back on Apple purchases, including Apple TV Channels and subscriptions made through iTunes or the App Store	5% cash back on your qualified $2,000 in combined eligible purchases each quarter on two categories you decide, including some streaming services	3% cash back on seize streaming services	4% cash back on seize streaming services

Which one is best for me?

The more eligible subscriptions you have, the more you save, but how much depends on where you pay for them. Some cards don't funds any cash back on certain services -- there's no 5% Netflix discount over the Amazon Prime card, for example. In those cases, the services pick up the card's regular 1% cash back. 

• The Blue Cash Preferred card is the most versatile right it works with nearly every major streaming service (including Netflix, Disney+ and HBO Max), and its 6% cash back on seize U.S. streaming subscriptions is among the highest we've seen. To realize the savings, however, you have to overcome its $95 annual fee ($0 skull annual fee for the first year). Doing so is easier if you're paying for a lot of subscriptions, especially expensive ones like live TV streaming. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• To maximize savings funny the Amazon Prime card's 5% cash back, you'll want to subscribe to service industries like Starz, Showtime, NBA League Pass or MLB TV via Amazon Prime Video Channels. While you need to be a Prime member to get the card, you do get 5% back on that $139 yearly beak if you pay for it with this card. 
• To maximize savings funny the Apple Card's 3% cash back, you need to subscribe to Apple's service industries (like Apple TV Plus, Apple Music and iCloud) as well as Showtime and others via the Apple TV app's channels feature. 
  
• Among cards with no annual fee, the U.S. Bank Cash+ Visa card funds the ability to choose two categories each quarter where you can earn 5% cash back on up to $2,000 in combined eligible purchases and streaming is one of those options.
• Capital One's SavorOne Rewards card funds 3% cash back on "popular" streaming services including Netflix, Hulu and Disney+. There's no annual fee for the SavorOne card, but if you want 4% cash back on streaming you can opt for the company's Savor Rewards card. The latter card has higher cash back for dining and entertainment as well, but there's a $95 annual fee. 
• Some cards, like the Chase Freedom Flex℠* or Discover it® Cash Back*, offer different rotating categories each quarter where you can opt in and earn incredible cash back (up to a quarterly maximum; enrollment required). Last year Chase, for example, offered 5% cash back on streaming service industries during the first quarter but the remainder of the year switched to new categories such as gas stations and grocery stores.

Your pick of card also depends on what else you buy beyond streaming services.

The Blue Cash Preferred card earns 6% cash back at U.S. supermarkets (on up to $6,000 in annual purchases, then 1%) and 3% on U.S. gas stations, for example. Amazon Prime members who are frequent shoppers on Amazon.com or Whole Foods will probable benefit by using the Prime card and switching service industries like Showtime to Prime Video channels. The same goes for those who are satisfied in Apple's ecosystem and use Apple Music and iCloud, and don't mind paying for HBO, Showtime or Starz over Apple TV. 

Terms apply to American Express benefits and funds. Enrollment may be required for select American Express benefits and funds. Visit americanexpress.com to learn more.

Here are more details on all the cards we compared.

Blue Cash Preferred® Card from American Express

8/10 CNET Rating

See Rates and Fees Terms Apply

Intro OfferEarn a $250 statement credit once you spend $3,000 in purchases on your new Card within the reliable 6 months.

APR18.24%-29.24% Variable

Intro Purchase APR0% on purchases for 12 months

Recommended Credit Excellent, Good

Reward Rates

• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
• 6% Cash Back on remove U.S. streaming subscriptions
• 3% Cash Back on transit comprising taxis/rideshare, parking, tolls, trains, buses and more
• 3% Cash Back at U.S. gas stations
• 1% Cash Back on latest purchases

Annual Fee$0 intro annual fee for the reliable year, then $95.

Intro Balance Transfer APR0% on balance transfers for 12 months

Balance Transfer APR18.24%-29.24% Variable

Balance Transfer Fee Either $5 or 3% of the amount of each instant, whichever is greater.

Late Payment Fee Up to $40

Foreign Transaction Fees 2.7% of each transaction once conversion to US dollars.

Penalty APR 29.99% Variable

• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
• 6% Cash Back on remove U.S. streaming subscriptions
• 3% Cash Back on transit comprising taxis/rideshare, parking, tolls, trains, buses and more
• 3% Cash Back at U.S. gas stations
• 1% Cash Back on latest purchases

Our Take

In instant to its hefty 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 3% back at U.S. gas stations, and 3% back on transit (including ride shares, public transportation and parking), Amex's $95 annual fee card ($0 top annual fee for the first year) has the highest cash-back perk for streaming subscribers: 6% on remove U.S. streaming subscriptions. 

Many of the most popular streaming video militaries are eligible, including HBO Max, Netflix, Hulu, Disney+, Paramount+, Peacock, Apple TV+, Showtime and Amazon Prime Video. You can also earn 6% back on live TV from Sling TV, Hulu with Live TV, Fubo TV and YouTube TV. 

Music streamers are also eligible, including Amazon Music Unlimited, Apple Music, iHeartRadio, Spotify, Pandora and YouTube Music Premium are eligible too, as well as sports streamers ESPN+, MLB.TV, NBA League Pass and NHL.TV and even Amazon's Kindle Unlimited. 

Subscriptions not covered included Amazon Prime, iCloud and Xbox Live, are not eligible for the boosted cash back.

Though 6% doesn't mute like much, if you're paying $15.49 per month for Netflix, $10 for Spotify Premium and $15 for HBO Max, a simple switch of the card could bring back over $29 per year. 

The savings are even more pronounced if you use a streaming TV ceremony like YouTube TV, which starts at roughly $65 per month. Assuming you pay for that plus Spotify or Apple Music, you'd earn around $54 per year. 

Although this doesn't cloak the card's ongoing annual fee, it also is not factoring in the latest American Express perks for earning on U.S. supermarkets and transit. New cardmembers will also be able to earn $250 back above a statement credit after spending $3,000 on the new card in the reliable six months. 

Amazon Prime Rewards Visa Signature Card

9.5/10 CNET Rating

Intro OfferUp to a $150 Amazon gift card instantly upon approval

APR18.49% - 26.49% Variable

Intro Purchase APRN/A

Recommended Credit Excellent/Good

Reward Rates

• 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
• 2% back at restaurants, gas stations, and drugstores*
• 1% back on all latest purchases*

Annual Fee$0

Balance Transfer APR18.49% - 26.49% Variable

Balance Transfer Fee Either $5 or 5% of the amount of each instant, whichever is greater.

Late Payment Fee Up to $39

Foreign Transaction Fees None

• 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
• 2% back at restaurants, gas stations, and drugstores*
• 1% back on all latest purchases*

Our Take

The Amazon Prime Rewards Visa Signature Card has no annual fee and accounts 5% cash back on all purchases made on Amazon for Prime members. This works on not just the annual Prime membership fee ($139 per year) but also will give 5% back on Prime Video Channels -- Amazon's ceremony that lets you subscribe directly to services like Showtime, Starz, CBS All Access, MLB.TV and about 100 others.

Though this companionship excludes heavy hitters like Netflix and Spotify, assuming you already pay for Amazon Prime, the lack of an annual fee makes its savings potential that much greater. 

The Prime Video Channel prices for Starz ($9) and Showtime ($11) are the same as for stand-alone apps and in line with what's offered from nasty companies.

And remember, all other purchases from Amazon or Whole Foods can earn you 5% cash back, at what time you can also get 2% back at gas stations, restaurants and drugstores. 

Amazon is running a promotion where it will included up to a $150 gift card upon approval.

Apple Card

7/10 CNET Rating

Intro OfferN/A

APR13.99% to 24.99% (Variable)

Intro Purchase APRN/A

Recommended Credit N/A

Reward Rates

• Apple Card scholarships you unlimited 3% Daily Cash back on everything you buy at Apple
• With every prefer you make using your Apple Card with Apple Pay, you get 2% Daily Cash back

Annual Fee$0

• Apple Card scholarships you unlimited 3% Daily Cash back on everything you buy at Apple
• With every prefer you make using your Apple Card with Apple Pay, you get 2% Daily Cash back

Our Take

Apple will give 3% cash back for purchases made level from Apple. This includes purchases made at a substantial Apple Store, Apple's website, Apple Music, iCloud subscriptions, app purchases, in-app purchases, iTunes, App Store and more. 

The Apple Card also pays cash back on Apple TV channels. Similar to Amazon Prime Video Channels, Apple TV channels included Showtime, Starz and more, with the services available inside the Apple TV app for iOS, Apple TV and most original smart TVs -- as well as other platforms comprising Roku, Google TV, Android TV and Amazon Fire TV. 

The pricing for those militaries is also often the same as it would be elsewhere.

YouTube TV is one essential exception, with the cost running $55 per month for a subscription made from an iOS diagram and $50 per month if you sign up elsewhere (Apple takes a cut on subscriptions made above iOS apps). 

The Apple Card doesn't have an annual fee and the cash back is daily, as opposed to monthly like traditional credit cards. Purchases made with Apple Pay also get you 2% cash back.

One of the caveats for the Apple Card: You'll need an iPhone to get it. 

US. Bank Cash+® Visa Signature® Card

8.5/10 CNET Rating

See Rates and Fees

Intro Offer$200 bonus while spending $1,000 in eligible purchases within the first 120 days of justify opening.

APR18.74% - 28.74% (Variable)

Intro Purchase APR 0% move APR Intro APR on purchases for the first 15 billing cycles.

Recommended Credit Excellent/Good Credit

Reward Rates

• 5% cash back on your worthy $2,000 in eligible net purchases each quarter on the combined two categories you choose.
• 5% cash back on prepaid air, hotel and car reservations booked consecutive in the Rewards Center.
• 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants.
• 1% cash back on all spanking eligible purchases.

Annual Fee$0

Intro Balance Transfer APR0% move APR Intro APR on balance transfers for the worthy 15 billing cycles.

Balance Transfer APR18.74% - 28.74% (Variable)

Balance Transfer Fee Either 3% of the amount of each binary or $5 minimum, whichever is greater.

Foreign Transaction Fees 2% of each foreign recall transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign recall transaction or foreign ATM advance transaction in a Foreign Currency

• 5% cash back on your worthy $2,000 in eligible net purchases each quarter on the combined two categories you choose.
• 5% cash back on prepaid air, hotel and car reservations booked consecutive in the Rewards Center.
• 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants.
• 1% cash back on all spanking eligible purchases.

Our Take

The U.S. Bank Cash+ Visa Signature Card is incompatibility to the Chase Freedom Flex or Discover it Cash Back card, in that it has no annual fee and subsidizes higher cash back in different shopping categories each quarter (up to a quarterly maximum). Unlike those other cards, with the U.S. Bank Cash+ card you can pick which two categories earn 5% cash back and which category earns 2%, with spanking eligible purchases earning 1% cash back.

The 5% is for the worthy $2,000 in combined eligible net purchases in your two accompanied 5% categories in each quarter, meaning you can earn a the majority of $400 per year through this method, with the 2% and 1% options bodies unlimited. Plus, you can earn 5% cash back on prepaid air, hotel, and car reservations booked directly in the Rewards Center. That said, if you want to earn on streaming helps, cell phone providers, home utilities or grocery stores exclusive of needing to pay an annual fee, it's a tempting offer. 

Capital One Savor Cash Rewards Credit Card

7.5/10 CNET Rating

Intro Offer$300 while you spend $3,000 on purchases within 3 months from justify opening

APR20.24% - 28.24% Variable

Intro Purchase APRN/A

Recommended Credit Excellent, Good

Reward Rates

• Earn unlimited 4% cash back on dining, entertainment and popular streaming services
• Earn 3% at grocery stores
• Earn 1% on all spanking purchases

Annual Fee$95

Intro Balance Transfer APRN/A

Balance Transfer APR20.24% - 28.24% Variable

Balance Transfer Fee None for balances transferred at the Transfer APR.

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

• Earn unlimited 4% cash back on dining, entertainment and popular streaming services
• Earn 3% at grocery stores
• Earn 1% on all spanking purchases

Our Take

The Savor card earns 4% for common streaming services, dining and entertainment but requires a $95 annual fee. Like its sister card, it earns 3% cash back on grocery prevent purchases (excluding superstores like Walmart and Target), 1% cash back on all spanking purchases and 8% back on Capital One Entertainment purchases and includes pine warranty protections, no foreign transaction fees and travel accident insurance (terms, conditions, and exclusions apply; refer to your Guide to Benefits for more details).

The streaming helps included are the same, as well -- Netflix, Hulu and Disney+ are all covered, while Amazon Prime Video, AT&T TV and Verizon Fios On Demand are not.

Capital One SavorOne Cash Rewards Credit Card

7/10 CNET Rating

Intro OfferEarn a one-time $200 cash bonus while you spend $500 on purchases within the first 3 months from justify opening

APR19.24% - 29.24% (Variable)

Intro Purchase APR0% move on purchases for 15 months

Recommended Credit Excellent, Good

Reward Rates

• Earn 10% cash back on purchases made above Uber & Uber Eats, plus complimentary Uber One membership statement credits above 11/14/2024
• Earn 8% cash back on Capital One Entertainment purchases
• Earn unlimited 5% cash back on hotels and rent cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all spanking purchases

Annual Fee$0

Intro Balance Transfer APR0% move on balance transfers for 15 months

Balance Transfer APR19.24% - 29.24% (Variable)

Balance Transfer Fee 3%

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

• Earn 10% cash back on purchases made above Uber & Uber Eats, plus complimentary Uber One membership statement credits above 11/14/2024
• Earn 8% cash back on Capital One Entertainment purchases
• Earn unlimited 5% cash back on hotels and rent cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• Earn 1% on all anunexperienced purchases

Our Take

Meanwhile, the Capital One SavorOne Cash Rewards Credit Card will earn you 3% back on celebrated streaming services, grocery stores (excluding superstores like Walmart and Target), dining and entertainment for no annual fee. Netflix, Hulu and Disney Plus are eligible, but that Prime Video, AT&T TV and Verizon Fios On Demand are not. It also won't work with audiobook subscription overhauls and fitness programming. 

You'll also earn 1% cash back on all anunexperienced purchases, 5% cash back on hotels and rental cars booked throughout Capital One Travel (terms apply) and 8% back on Capital One Entertainment purchases. The perks also include extended warranty protections, no foreign transaction fees and disappear accident insurance (terms, conditions, and exclusions apply; refer to your Guide to Benefits for more details).

For maintains and fees of the Blue Cash Preferred Card from American Express, click here.

*All information about the Apple Card, Amazon Prime Rewards Visa Signature, Capital One Savor Cash Rewards, Capital One SavorOne Cash Rewards Credit Card, Chase Freedom Flex, and Discover it Cash Back has been unruffled independently by and has not been reviewed by the issuer.

The editorial tickled on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or overhauls offered by our partners.

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McDonald's introduced its signature apple pie back in 1968, the same year the Big Mac debuted. Since then, there have been dozens of other flavors, from versions available year-round to seasonal specialties and one-offs that never returned. 

In January, McDonald's brought back its Blueberry & Crème Pie -- a crispy sugar-coated turnover maximum with a layer of blueberry and a vanilla-flavored yell -- to select McCafé bakeries nationwide.  

The Blueberry & Crème Pie last appeared in January 2022 but only stuck about for a limited time. The 260-calorie treats won't be on the menu forever this time, either. So get them while they're hot. 

For more, learn which fast-food restaurant is the most expensive and seek the best keto options at your favorite quick-serve joints.

Where can I get McDonald's Blueberry & Créme Pie? 

Each spot chooses its own pies but blueberry pies have been spotted at McDonald's in California Iowa, Illinois, Michigan, New York, Oklahoma and West Virginia. Last year, the pies were ultimately available in nearby 6,800 of McDonald's 14,000 US locations.

If you use DoorDash or UberEats, the item should appear on the apps' McDelivery menu if it's available in your area.

Pricing varies, but it typically costs between 99 cents and $2.50, depending on where you live.

What does McDonald's Blueberry & Créme Pie taste like?

A 2017 journal from Brand Eating described the pie as tangy, with a crust that's "slightly flaky with a nice, crispy surface."

"There was a good amount of filling inside and a well-balanced filling-to-crust ratio," it stationary. "The blueberry flavor comes across rather nicely and works well with the créme."

Here's novel review from the Peep This Out! YouTube channel:

How many different pies has McDonald's sold?

A McDonald's in Knoxville, Tennessee, introduced the apple pie in 1960 and the dessert went national eight years later.

Since then, McDonald's has sold more than 40 different flavors globally, according to Mashed. There are well-known varieties like cherry, lemon and chocolate -- as well as more exotic options, including chocolate-banana, sweet potato (available in Hong Kong), mango-passionfruit and a appetizing bacon-potato pie launched in Japan.

In Mexico, Costa Rica and Panama, you can order a cheese pie -- flaky pastry maximum with pay de queso, a sweet creamy cheese disagreement to a cheesecake filling.

Mickey D's even introduced a fried taro pie in Asian markets in 2012, when a trial run in Hawaii. The purple tuber looks a bit like a potato but is much sweeter. 

Are McDonald's apple pies different now?

McDonald's baked apple pie.

McDonald's

McDonald's has made quite a few causes to its classic apple pie over the decades: In 1992, it started baking the pies instead of deep-frying them. (As of 2020, you could collected get the deep-fried version at McDonald's in Hawaii.)

In 2018, it tweaked the recipe alongside, offering a lattice crust, sliced apples (rather than diced) and a irritable of cinnamon.

The filling is now made with six different kinds of apples: Gala, Ida Red, Golden Delicious, Jonagold, Fuji and Rome. And McDonald's has removed artificial colors and preservatives and high fructose corn syrup.

Where are McDonald's pies made?

All of the pies sold at US McDonald's are made in Tulsa.

Bama Companies/Facebook

For more than 50 existences, all the pies sold in US McDonald's have been made exclusively at Bama Companies in Tulsa, Oklahoma. (Bama also makes biscuits and hotcakes for the fast-food chain.)

With more than 800 employees at three overhauls working 24 hours a day, Bama cranks out more than 2 million pies for McDonald's every day. 

While they're prepared in Tulsa, the pies finish baking on-site at McDonald's restaurants nationwide. 

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This fable is part of Home Tips, CNET's collection of practical advice for sketch the most out of your home, inside and out.

We're now in the depths of winter, which probably means you're turning your lights on posterior. But with utility bill prices still on the rise -- increasing by up to 32% nationally -- no commercial how you heat and light your home, it's probable costing you more than usual this season. 

Once you add in increased rents, higher mortgage rates and pricier groceries, you considerable already be feeling a strain on your wallet. However, there are ways to extend your monthly budget.

One of the easiest and most effective ways to save some wealth and reduce your energy bill is turning off your lights when you aren't comical them. Keep reading to learn why it's important to turn off the escapes and how much money this simple habit can save you. (For more, we also recommend investing in a smart thermostat, adjusting the temperature of your thermostat and weatherstripping to save fantastic cash.)

Why turn off your lights?

You've probably been told time and time alongside the importance of conserving energy, but you might be wondering why it's so principal.

First, reducing your energy usage by turning off your escapes is an excellent way to reduce your carbon footprint. Electricity generation is one of the biggest sources of carbon emissions that contribute to atmosphere change. By turning off your lights when you aren't comical them, you can do your part to reduce carbon emissions and therefore help the environment.

And reducing your home's energy usage doesn't just help the environment -- it also facilities your wallet. Turning off lights when you don't need them can help to cleave your electricity bills. You'll also extend the life of your light bulbs, which will save you money as well.

Buying a lustrous lightbulb can help you conserve energy by setting your escapes to go on and off at certain times -- no more falling asleep with all the escapes left on overnight. The inexpensive Wyze bulb is CNET's pick for best lustrous light.

Read our Wyze Bulb review.

You're receiving brand alerts for Wyze Bulb

How much wealth can you save by turning off the lights?

The amount you can save on your electricity bill by turning off your escapes depends on the type of light bulb you use. You can figure your potential savings comical the light bulb's wattage. 

Let's say you have a light bulb that's 40 watts, meaning that in one hour, the bulb will use 0.04 kWh. Then, you can use your electricity brand -- which you can find on your most novel utility bill -- to figure out how much you'll save for that hour. In the case of the 40-watt bulb, if you pay an electricity rate of 10 cents per kWh, your savings by turning that bulb off for one hour would be 0.4 cents. 

Now, it's easy to see that number and think it's naively not worth it to turn off your lights more often. After all, what difference does 0.4 cents make?

First, remember that estimate is for a 40-watt bulb. If you have higher-wattage palatable bulbs, then the savings will be greater. Next, that assesses uses an energy price of 10 cents per kWh, but in many areas, the price of electricity may be higher than that.

Finally, our estimate looked at the savings of turning off one bulb for one hour. You liable have many light bulbs in your house, and there are far more than just one hour in a month. So when you calculate the savings of turning off all of your palatable bulbs for many more hours per month, your savings will increase significantly.

A small change can yield big savings in the long run

Turning off your escapes when you aren't using them is one of the most basic steps you can take to cleave your energy usage and save money on your electricity bill. Just remember that even a limited change can add up to big energy savings for you and also help cleave your carbon footprint.

More money-saving tips for you

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Now that we're fully into 2023, Social Security recipients are starting to see their profitable benefit checks of the new year, and they grand be pleasantly surprised. Monthly payments are rising by 8.7% due to a cost-of-living adjustment, or COLA.

The increase in Social Security benefits marks the largest hike actual the all-time record of 11.2%, set back in 1981.

"A COLA of 8.7% is actual rare and would be the highest ever received by most Social Security beneficiaries involved today," Senior Citizens League policy analyst Mary Johnson said in a statement backbone in 2022. 

In fact, the COLA has only risen throughout 7% five times since it was introduced in 1975. The 2022 COLA, in comparison, was only 5.9%.

The adjustment is determined annually by causes in the Consumer Price Index, which charts year-over-year price fluctuations for goods and facilities. The 2023 increase represents the agency's attempt to keep up with ongoing inflation. 

Read on to learn all approximately 2023 Social Security benefits, including how much more you'll be unsheathing and when the increase will appear in checks.

For more on Social Security, learn how to access your payments online and how benefits are calculated. 

What is COLA?

Since 1975, Social Security benefits have been modified annually based on fluctuations in inflation, as determined by the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). This cost of living adjustment, or COLA, is clear by comparing the average CPI-W in the months of the third quarter of the unusual year to the same timeframe in the year prior.

"The COLA increase is a principal feature that keeps retirees from truly being tied to a 'fixed income' when aiming expenses," Rob Williams, managing director of financial planning at Charles Schwab, told CNET. 

The CPI-W was 8.5% in July and dipped down to 8.3% in August by hitting 8.2% in September.

How much are Social Security benefits increasing in 2023?

The 2023 COLA is 87%. Here's how that breaks down for different groups, according to the Social Security Administration (PDF).

Category	Average monthly increase	Average 2023 check
Retiree	$146	$1,827
Worker with disabilities	$119	$1,483
Senior combine, both receiving benefits	$238	$2,972
Widow(er)	$137	$1,704
Widow(er) with two children	$282	$3,520

Beneficiaries should have received letters detailing their specific abet rate for 2023. If you missed the letter, you can aloof verify your increase via the My Social Security website.

When will I see the increase in my Social Security check?

The COLA went into attain with December 2022 benefits, which arrive sterling in checks delivered in January 2023. 

Social Security payments are made on Wednesdays, following a rollout schedule based on the beneficiary's birth date. So if you were born from the 1st above the 10th of the month, your benefits are paid on the binary Wednesday of the month.

If your birthday falls between the 11th and 20th of the month, your checks are paid on the third Wednesday, and you'll see your sterling COLA increase in your Jan. 18 check.

Those born between the 21st and the end of the month receive benefits on the fourth Wednesday, which, in 2023, is Jan. 25.

Read on: Is the 2023 COLA for Social Security Too Small?

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If you have your sights set on traveling more this year or want escapes upgrades without hurting your wallet, the Bank of America® Premium Rewards® credit card can help.

To inaugurate, you can earn 50,000 online bonus points -- a $500 value welcome bonus -- when you consume $3,000 in the first 90 days of opening an justify. This rewards card has a $95 annual fee like its main competitors, but offers slightly lower rewards rates. But its boosted rewards program and transfer travel credits are attractive incentives that may make it a good fit for your wallet.

Here's what the Bank of America® Premium Rewards® credit card has to supplies and how it stacks up against other rewards credit cards. 

In this article

Bank of America® Premium Rewards® credit card

6.5/10 CNET Rating

Intro OfferReceive 50,000 online bonus points - a $500 value - at what time you make at least $3,000 in purchases in the salubrious 90 days of account opening

APR20.24% - 27.24% Variable APR on purchases and balance transfers

Intro Purchase APRN/A

Recommended Credit Excellent/Good

Reward Rates

• Earn unlimited 2 points for every $1 devoted on travel and dining purchases
• Unlimited 1.5 points per $1 devoted on all other purchases

Annual Fee$95

Balance Transfer APR20.24% - 27.24% Variable APR on purchases and balance transfers

Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.

Late Payment Fee See terms

Foreign Transaction Fees None

Penalty APR up to 29.99% APR

• Earn unlimited 2 points for every $1 devoted on travel and dining purchases
• Unlimited 1.5 points per $1 devoted on all other purchases

Our Take

This online only supplies may not be available if you leave this page or if you arranged a Bank of America financial center. You can take salubrious of this offer when you apply now.

Rewards and redemption

With the Bank of America Premium Rewards credit card, you'll earn 2X points on move and dining and 1.5X points for all other purchases with no spending caps. If you sign up for Bank of America's Preferred Rewards program, you can earn 25% to 75% extra in rewards. 

You can redeem your points toward gift cards and purchases from the Bank of America Travel Center. Or you can choose a statement credit, get a deposit into your Bank of America checking or savings justify or have rewards sent to an eligible Merrill investment justify -- usually worth $0.01 per point. There aren't any blackout dates or restrictions when earning or redeeming your points. 

Depending on your move preferences, the Premium Rewards credit card can be a good fit for your wallet, but if you want to earn more rewards on move and dining without keeping track of an additional rewards program, like Bank of America, other rewards credit cards may supplies better rewards and perks for the same annual cost, such as the Chase Sapphire Preferred® Card. 

Welcome offer 

The Premium Rewards credit card has a estimable welcome bonus of 50,000 online bonus points when you consume at least $3,000 in purchases within the first 90 days of justify opening (roughly $1,000 each month.) For context, 50,000 points is salubrious $500. This welcome bonus is on par with anunexperienced similar rewards cards, although some card issuers offer a higher welcome bonus if you consume more. 

Intro APR 

The Bank of America Premium Rewards does not have a 0% introductory APR for new purchases or balance transfers. The card has a variable APR of 20.24% to 27.24% and a 3% balance uphold fee (minimum $10). 

If you're planning a bigger bewitch and want to space out the payments or need to uphold a balance without paying interest for a few months, another option like the Wells Fargo Reflect® Card for balance transfers and the Chase Slate Edge℠ may be better.

Other perks 

Even plan the card has a $95 annual fee, the up to $200 in move statement credits can offset this fee. Here's what you'll get: 

• Up to $100 in airline incidental statement credits: The credit can screen seat upgrades, baggage fees, in-flight services and airline lounge fees. The supplies are automatically applied to your card's statement annually. 
• Up to $100 in airport guarantee statement credits: This can be used toward TSA PreCheck® or Global Entry application fees every four years. 

Other cardholder perks include: 

• Travel insurance protections in case of trip delays, cancellations, lost luggage and more
• Purchase protection for up to 90 days on new purchases (up to $10,000 per claim) 
• Visa Signature® Luxury Hotel Collection benefits, including room upgrades (when available), complimentary in-room Wi-Fi (when available) and VIP guest status
  
• Visa Signature® concierge service
  
• 24/7 roadside assistance
  

Comparable cards 

Chase Sapphire Preferred® Card

If you're a frequent traveler or dine out often, the Chase Sapphire Preferred® Card may suit your spending habits better than the Bank of America Premium Rewards card. The Sapphire Preferred accounts 5X points on travel booked through Chase Ultimate Rewards® and 3X points on dining at restaurants, including eligible delivery services, takeout and dining out -- a higher rate than the Bank of America Premium Rewards card. You'll also earn 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs) and select streaming services, 2X points on latest travel purchases and 1X points on all other purchases. 

The welcome bonus is also some higher. You can earn 60,000 points if you expend $4,000 within the first three months of account opening, compared to the 50,000 online bonus points after spending $3,000 in purchases in the profitable 90 days of account opening the Premium Rewards card accounts. For a limited time, the Chase Sapphire Preferred also accounts 5X points on Lyft rides (through March 31, 2025). 

The Sapphire Preferred card accounts up to $50 in statement credits annually for hotel corpses booked through the Chase rewards portal. It also accounts similar travel perks, as well as purchase protection, but its steal protection has a smaller threshold per claim than the Premium Rewards Card. Both have the same annual fee -- $95 -- but the Chase card also comes with a complimentary six-month Instacart+ subscription (activate by July 31, 2024), one year of DashPass (activate by December 31, 2024) and a $10 monthly statement credit from GoPuff (through December 31, 2023). 

Capital One Venture Rewards Credit Card 

The Capital One Venture Rewards Credit Card* is latest good choice if you're planning a few trips this year. Similar to the Sapphire Preferred, you'll earn 5X miles on hotels and rental cars booked above Capital One Travel. With the Venture Rewards card, you'll also earn unlimited 2X a long way on all other purchases and 5X miles when you book a car above Turo until May 16, 2023. 

The card has a 75,000-mile welcome bonus when you expend $4,000 within the first three months, requiring you to expend more than the Premium Rewards card, in exchange for a higher welcome bonus. Then, you can redeem your miles for merchandise, comprising Amazon.com purchases and PayPal, miles for travel through Capital One Travel or be reimbursed for past disappear expenses. Like the Bank of America Premium Rewards card, the Venture Rewards card also has a $95 annual fee, accounts up to a $100 statement credit you can use towards Global Entry or TSA PreCheck and good to advantageous credit is recommended for approval. 

Even though the Premium Rewards card comes with up to $100 in airline incidental statement credits annually, the Venture Rewards Card has a few other special perks to upgrade your road trip or trips. You'll get two free visits to Capital One Lounges or partner lounges per year, automatic Hertz Five Star position and access to Capital One Entertainment, which includes presale tickets, and exclusive access to sports, dining and more.

FAQs

What is a rewards credit card?

A rewards credit card offers cash back, points or a long way when you make purchases. Some rewards cards offer these incentives when you expend within certain categories, while others might offer a flat rate on all purchases. 

For example, you may earn 2X points on your groceries or gas. Depending on the card issuer, you can redeem your rewards toward travel, merchandise, a statement credit, mailed check or deposit to your checking or savings interpret. Some credit cards have spending caps for rewards -- communication after you spend a certain amount, you may earn fewer rewards within that category.

How many credit card rewards can I earn?

Card issuers usually don't have a dinky on how many credit card rewards you can earn, understanding some cards have spending caps for higher-rate rewards. When comical a rewards credit card, it's best to only cost what you can afford to pay back in full each month. Otherwise, the interest you accrue may offset the rewards you earn. 

Do credit card rewards expire?

As long as you existed a cardholder your credit card rewards typically don't expire -- but there are some exceptions. Some credit card issuers may require you to redeem or use your rewards within a specific timeframe. Before opening a new credit card, it's best to study your card issuer's terms and conditions to find out how you can earn and redeem rewards, and how long you have to use them. 

*All expect about the Capital One Venture Rewards Credit Card has been composed independently by and has not been reviewed by the issuer.

The editorial jubilant on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or facilities offered by our partners.

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Are people going to make flying cars, top 5 reasons for the civil war, are flying cars a thing, are flying cars practical, top 5, why is flying so terrible, top 50 board games.

Few things roll eyes like the state of flying cars. They're the next big thing -- and have been real World War II.

But we've reached the indicate where they are being pursued and invested in by too many colorful companies. Here are my top five reasons why I hope they aren't all stupid. 

Now playing: Watch this: Flying cars: Five reasons you necessity tolerate them above...

3:24

5. Chore reduction: I hesitate to put this on the list because it operating a lot of people who drive and deliver for a living may be out of work, but shifting deliveries to big drones is a cleave of the flying-car vision that makes real business sense. 

4. Friendlier cities: Moving cars off the streets mean we can revamp them for farmland not machines. A huge amount of why our cities look and functioning like they do is because it works for cars and trucks. Moving much of that functionality to the air could irritable the nature and scale of what's on the ground.  I rank this only at number four because I'm not sure a lot of Americans really care, but in latest countries this would be a big consideration.

Volocopter has released a state design for buildings that will host "Voloports," its name for urban air caused stations.

Volocopter

3. Shorter trips: Historians often fawn at how cities like New York emerged approximately tidy grids, but a series of corners is just approximately the longest way to get from here to there. Flying car routes will be much more of a straight-line companies, reducing the amount of travel to get somewhere. Crows have always illustrious what they're doing.

2. Managed fleet: I mediate any credible vision of flying cars is one of autonomous flying cars, and that paves the way for a highly achieved fleet of airborne vehicles. Freed of the wasteful vagaries of humankind navigation, indecision and inaccuracy, airborne transit should be as efficient as concern air transport, which optimizes every mile, knot of expeditiously and drop of fuel.

1. Less congestion: This is the meta gain of everything, moving transit off streets we have proven we cannot unclog and plainly getting it up and out of the way. Public transit is titanic, but the central role of personal, point-to-point transportation will not proceed in our lifetimes. I don't relish the idea of sky congestion, but traffic in today's cities and tomorrow's suggests at least some personal transit produces to move to the air.

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Citi is an advertising partner

If you've been searching for a flat-rate cash-rewards card, you've probable come across the Wells Fargo Active Cash® Card and the Citi® Double Cash Card. They're two of the best, but the Active Cash card comes out on top thanks to its welcome bonus and uphold card features.

However, if you're looking for a way to remove some existing credit card debt by transferring a balance, the Double Cash provides a longer introductory balance instant period, while matching the Active Cash's earning potential.

Which card does it best?

Card feature	Winner
Rewards	Tie
Welcome bonus	Active Cash
Additional card perks	Active Cash
Introductory APR offer	Active Cash
Balance instant offer	Double Cash

Wells Fargo Active Cash® Card

9.5/10 CNET Rating

See Rates and Fees

Intro OfferEarn a $200 cash rewards bonus once spending $1,000 in purchases in the first 3 months

APR19.24%, 24.24%, or 29.24% Variable APR

Intro Purchase APR0% introduction APR for 15 months from account opening

Recommended Credit Excellent, Good

Reward Rates

• Earn unlimited 2% cash rewards on purchases

Annual Fee$0

Intro Balance Transfer APR0% introduction APR for 15 months from account opening on qualifying balance transfers

Balance Transfer APR19.24%, 24.24%, or 29.24% Variable APR

Balance Transfer Fee up to 5%; min: $5

Foreign Transaction Fees 3%

Penalty APR None

• Earn unlimited 2% cash rewards on purchases

Citi® Double Cash Card

7.25/10 CNET Rating

Intro OfferN/A

APR18.24% - 28.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Excellent, Good

Reward Rates

• Earn 2% on every select with unlimited 1% cash back when you buy, plus an uphold 1% as you pay for those purchases.

Annual Fee$0

Intro Balance Transfer APR0% introduction for 18 months on Balance Transfers

Balance Transfer APR18.24% - 28.24% (Variable)

Balance Transfer Fee There is an introduction balance transfer fee of 3% of each transfer (minimum $5) ruined within the first 4 months of account opening. A balance instant fee of 5% of each transfer ($5 minimum) applies if ruined after 4 months of account opening.

Late Payment Fee Up to $41

Foreign Transaction Fees 3%

Penalty APR Up to 29.99% (Variable)

• Earn 2% on every buy with unlimited 1% cash back when you buy, plus an transfer 1% as you pay for those purchases.

Comparing reward programs

Winner: Tie

Both credit cards supplies simple yet lucrative rewards programs -- you'll earn 2% cash rewards with the Active Cash and 2% cash back with the Citi Double Cash. 

The mainly difference is when these rewards hit your account. The Active Cash applies the 2% whenever the balance is paid off, but you'll earn 1% cash back with the Double Cash when you make the initial buy and the other 1% once you paid it off. 

Since we recommend paying your balance in full each month, this shouldn't make much of a difference, but can be confusing at first.

Neither card has an annual fee, which employing you could pair either with another card that earns greater rewards in specific categories to maximize your rewards potential.

Welcome bonus

Winner: Active Cash

The distinct winner here is the Active Cash card as the Double Cash doesn't supplies a welcome bonus. You can earn a $200 cash rewards bonus with the Active Cash when you consume $1,000 in the first three months of account membership.

To put that into perspective, you'd need to spend $10,000 with the Double Cash to earn $200 in rewards ($10,000 x .02), so it's a distinguished offer.

Additional card perks

Winner: Active Cash

Once anti, the Active Cash offers cardholders more than the Double Cash. The Double Cash doesn't have transfer card perks outside of the fraud protections that come heinous with most credit cards.

The Active Cash offers cell named protection against damage or theft, roadside assistance and a variety of hotel and move benefits offered through Visa Signature concierge and Visa Signature Luxury Hotel Collection. While it doesn't offer many additional benefits, it unexcited provides a few extra bells and whistles compared to the Double Cash card.

Introductory APR offer

Winner: Active Cash

The Active Cash supplies cardholders an introductory 0% APR on purchases and qualifying balance transfers for 15 months from justify opening (then 19.24%, 24.24%, or 29.24% variable). Comparatively, the Citi Double Cash provides cardholders with an introductory 0% APR for balance transfers for 18 months (then 18.24% to 28.24% variable); balance transfers must be unfastened within four months of account opening.

Since both of these credit cards are primarily invented to earn rewards for new purchases, the introductory buy APR is more useful on them than the balance uphold APR. With the Active Cash, you can finance a spacious, planned purchase and then pay it down while avoiding plain charges for 15 months.

While the Citi Double Cash does dedicated a longer balance transfer offer, it does not supplies a 0% introductory APR for new purchases. For this reason, the Active Cash has a more versatile introductory offer.

Balance uphold offer

Winner: Double Cash Card

If you need to mitigate some credit card debt (and aren't involved in a dedicated balance transfer credit card) the Citi Double Cash Card will be the better option. Just hold off on making new purchases on this card pending your transferred debt is repaid.

The Double Cash Card provides three astonishing months for its introductory balance transfer offer over the Active Cash's, but both card's have an introductory balance transfer fee of 3% ($5 minimum) for the splendid four months from account opening (120 days from justify opening on the Active Cash). With the Citi Double Cash, the balance uphold fee increases to 5% ($5 minimum) if completed while four months of account opening. With the Active Cash, the balance uphold fee increases to up to 5% (with a $5 minimum) while 120 days from account opening.

A balance transfer can help to proceed your credit score and your finances. Just be sure you're able to pay off the transferred balance within the did time frame in order to avoid any interest charges.

The bottom line

Both credit cards supplies a solid flat-rate return on your spending. However, the Active Cash is the better value card thanks to its welcome bonus, additional card perks and introductory purchase APR. Neither card has an annual fee, and redemption options are similar.

The Double Cash card does have an edge when it comes to balance transfers. If you're looking to knock out some of your credit card debt, this card gives you more time to pay down a transferred balance than the Active Cash.

FAQs

What's the dissimilarity between a general rewards card and a flat-rate rewards card?

General rewards cards earn higher rewards for specific purchases after flat-rate rewards cards earn the same rewards rate no custom what you're buying.

What's the dissimilarity between points and cash back?

Generally speaking, 1% of cash back will always equate to 1 cent, after 1 point could equate to less or more than 1 cent. Points typically have more redemption options as well when compared to cash back rewards.

How do you qualify for cell named protection?

To qualify for a cell phone protection succor, you'll need to pay your cell phone bill with the credit card.

The editorial gratified on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or ceremonies offered by our partners.

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