I find the workflow with the new chip cards much less convenient to the point that I'm starting to prefer cash or Android Pay if it's available. Even though I lose the 2% cashback bribe.
Which card is that, that takes away the incentive? I use Apple Pay pretty frequently and still get my cashback rate, or double points incentives on the cards that I use.
Among others the Citi Double Cash, earned in 2 steps:
1% earned when spending
1% earned when paying the bill
Cashback is not immediately applied to the balance so it's actually 2% and not something like 1.9999999. No annual fee but it's not really worth it to apply for this card per se, better to get another card that comes with a signup bonus (this one never does) and "product change" it to this card by calling in.
