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CASH BACK CREDIT CARD OFFERS
Cash back credit cards are arguably the best rewards credit cards. Unlike points and miles, cash back rewards are easy to obtain and their value never decreases. Additionally, good cash back cards charge no annual fees and offer lower interest rates than most other types of rewards cards.
How much you can earn with a cashback card depends on how much you use it. To maximize cash back, charge everything you can and pay your bill in full every month. This strategy can net average credit card users a few hundred dollars a year with a 1% cashback card and significantly more with a card that offers up to 5% in categories like gas or groceries.
Below you will find information on cashback credit cards as well as links to secure online applications. All links open in new windows. If a link fails to open, temporarily disabling your
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CHASE FREEDOM® VISA - $200 BONUS CASH BACK |
MORE DETAILS HERE
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- This offer is for people with a good to excellent credit history which means, among other things. Your credit history is clear of bankruptcy and seriously deliquent accounts
- Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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N/A
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N/A
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15.99%-22.99% (Variable)*
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None
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Excellent
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CITI® DIVIDEND PLATINUM SELECT® VISA® CARD - $200 CASH BACK |
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- $200 cash back after $500 in purchases within the first 3 months of account opening
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
- Each quarter, you can enroll to earn additional cash back in popular categories.
- 5% average cash back at select merchants through Citi Bonus Cash Center®
- Full 1% cash back on all other purchases and eligible cash advances.
- No annual fee*
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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N/A
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N/A
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15.99% - 22.99%* (Variable)
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None
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Excellent
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CITI® DIVIDEND PLATINUM SELECT® VISA® CARD - $100 CASH BACK |
MORE DETAILS HERE
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- $100 cash back after $500 in purchases within the first 3 months of account opening.
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn
more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on all other purchases and eligible cash advances
- No Annual Fee*
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 12 Months*
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0% for 12 Months
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12.99-22.99% Variable*
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None
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Good
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CAPITAL ONE® CASH |
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- $100 Bonus after you spend $500 in the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash rewards that don't expire
- Redeem cash rewards anytime for any amount, even set up automatic redemption
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until February 2013
- To apply online click the Apply Now button or call 1-866-960-8708
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% until February 2013*
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0% until February 2013*
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12.9%–20.9% (V)
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None
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Excellent
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DISCOVER® OPEN ROAD CARD - $150 RESTAURANT.COM GIFT CERTIFICATE |
MORE DETAILS HERE
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- Receive a $150 Restaurant.com Gift Certificate with first purchase
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 11.99% - 20.99%*
- 2% automatically at any gas station and any restaurant all year long*
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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Intro APR on Purchasess |
Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Type
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0% for 12 Months*
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0% for 12 Months*
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11.99%-20.99% Variable*
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None
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Good
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BLUE CASH EVERYDAY(SM) CARD FROM AMERICAN EXPRESS |
MORE DETAILS HERE
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- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- No spend minimum, No enrollment, and No rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Type
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See Terms*
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See Terms*
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17.24%-22.24% Variable*
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No Annual Fee*
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Excellent
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Cash Back Credit Card Tips
5% Cash Back Credit Cards Are Getting Better: Credit card companies boldly advertise 5% cash back rewards, but earning 5% cash back with many of these cards requires careful attention to detail. Presently, the big trend is to offer 5% cash back in categories that rotate four times a year. This cash back structure can be beneficial if you can max out one or two of these categories and extremely beneficial if all categories can be maxed out. For example, when 5% cash back is offered on gas, groceries, or travel, this can add an extra $200 or more to total yearly cash back earnings. The fact that many of these credit cards offer $100-$200 sign up bonuses also makes these excellent choices for consumers who don't spend heavily.
$100 - $200 Cash Back Sign Up Bonuses Are Excellent Deals: A number of major credit card companies including Chase and Citibank have been promoting cash back credit cards with $100 or greater sign-up bonuses. Since it takes $10,000 of spending on a card that offers 1% cash back to earn $100, these cards provide very good value, especially for people who only spend a few thousand dollars a year. The one catch to these offers is that you need to spend $500 within three months of opening a new account. If you can do this without overspending and racking up debt, this isn't a big deal. But if you end up breaking the budget to earn your reward, it may be best to pass on these deals.
Ideas to Help You Find the Right Cash Back Credit Card
Cash Back Credit Cards Are the Best Type of Rewards Cards: There are a number of factors that make cash back card rewards superior to other types of rewards cards. Apart from the fact that these cards generally carry no annual fees, the main benefits of having a cash back credit card are that the rewards you earn can be used for anything you like and the cash you earn never loses value. Full Article.
Cash Back Credit Card Trends: Cash back credit cards have undergone significant changes recently. A few years ago, a number of companies offered cards that provided a full 5% cash back on every purchase made at gas stations and grocery stores. Today, credit card companies offer 5% cash back on certain purchase, but they rotate categories that qualify for 5% rewards four times a year. However, the introduction of large sign-up bonuses more than offsets the fact these drawbacks, as getting a $100 to $200 sign up bonus after spending only $500 is equivalent to getting a 20% to 40% cash back bonus right off the bat. Full Article
What Type of Rewards Credit Card is Best for You?: For most people, the best type of rewards card to have is a cash back card. These cards offer the most straightforward benefit and redeeming rewards for cash is substantially easier than using points or miles. However, it is important to consider how you use your credit cards to figure out what type of rewards card is best for you. Full Article.
*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's web site.
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