|
|
|
CASH BACK CREDIT CARD OFFERS
Cash back credit cards are 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 airline miles 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 2% or more in cash back on 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
pop-up blocker will fix the problem.
|
CAPITAL ONE® NO HASSLE CASH(SM) REWARDS - EXCELLENT CREDIT |
 
|
- 2% cash back on gas and groceries
- 1% cash back on all other purchases
- No limit on the cash you can earn and cash won't expire
- Redeem cash rewards for statement credit, check or gift card
- Get your cash back whenever you want, even set up automatic redemption
- 0% intro APR on purchases until August 2011
- No foreign transaction fees
- No annual fee
- To apply online click the Apply Now button or call 1-866-960-8708
|
|
|
|
Intro APR on Purchases |
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Type
|
|
0% until 8/2011*
|
n/a*
|
14.9%(V)*
|
None
|
Excellent
|
|
DISCOVER® MORE CARD - $75 CASHBACK BONUS |
|
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
|
|
|
|
Intro APR on Purchases |
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Type
|
|
0% for 6 Months*
|
0% for 12 Months*
|
11.99% - 20.99% (Variable)*
|
None
|
Good
|
|
CITI® DIVIDEND PLATINUM SELECT® MASTERCARD® |
|
- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
- Full 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center®
- No Annual Fee
|
|
|
|
Intro APR on Purchases |
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Type
|
|
n/a
|
0% for 15 Months*
|
12.99-20.99% Variable*
|
None
|
Excellent
|
|
DISCOVER® OPEN ROAD CARD |
|
- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
|
|
|
|
Intro APR on Purchases |
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Type
|
|
0% for 6 Months*
|
0% for 12 Months*
|
11.99%-20.99% Variable*
|
None
|
Good
|
|
CHASE FREEDOM® VISA - $50 BONUS CASH BACK |
|
- Earn $50 Bonus Cash Back after first purchase
- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
|
|
|
|
Intro APR on Purchases |
Intro APR on Transfers
|
Regular APR
|
Annual Fee
|
Credit Type
|
|
0% for 6 Months*
|
0% for 12 Months*
|
12.99%-22.99% Variable*
|
None
|
Good
|
|
BLUE CASH(R) FROM AMERICAN EXPRESS |
 |
- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
- Receive your cash back automatically as a statement credit
|
|
|
|
Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
|
Annual Fee
|
Credit Type
|
|
See Terms*
|
See Terms*
|
17.24%-21.24% Variable*
|
No Annual Fee*
|
Excellent
|
|
Cash Back Credit Cards
Cash back credit cards are without a doubt the best type of rewards credit card on the market. Unlike point or airline mile based reward programs, cash back rewards programs allow you to earn a percentage of every dollar you spend in cash back. Over the past few years, smart credit card users have learned to take advantage of cash back credit cards, so much so that many credit card companies had to revise cash back rules.
For example, smart consumers would utilize bonus rewards, such as 5% cash back on gas and then pay their bills in full every month. Ultimately, this intelligent usage of cash back rewards led companies to reduce cash back percentages and raise interest rates on a number of cards. Additionally, many credit card companies responded by removing these credit card offers from the market altogether.
Today, cash back credit cards offer anywhere from 1% to 5% cash back, though you often have to spend a significant amount of money to start earning higher percentages. Consequently, the best cash back credit credit cards offer the most straightforward deals with low spending requirements. One such card is the Capital One® No Hassle Cash(SM) Rewards - Excellent Credit. With this card, you earn 1% on the first $6,000 you spend every year, then 3% cashback on gas and groceries and 1% on all other purchases. The 3% cashback you earn on gas and groceries can really add up, making this card the best option for most credit card users.
*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 website.
|
|
