The Best Cash Back Credit Cards

Posted in Guides, Saving Tips
Cash back credit cards are an easy way to earn money for everyday purchases. Choosing the best card for your lifestyle can get tricky, but with a little research, you can quickly maximize your earnings with no effort at all. The following cards are some of the highest rated rewards credit cards available.

Chase Freedom

Chase Freedom offers 0% APR for 15 months. You can earn $150 bonus after spending $500 within the first three months of opening the account. You can also earn up to 5% rewards on up to $1,500 in bonus categories. There is no annual fee and Chase Freedom offers built-in protection for unauthorized purchases and has extended warranty protection.

Citi Double Cashback Credit Card

Citi Double Cashback offers 0% APR for 18 months on balance transfers. You are rewarded with 1% for purchases, and for each payment you make, you will also earn 1% back. There is no annual fee and there are no limits on how much you are able to earn. This card is beneficial for those who spend money across several spending categories since there are no restrictions.

The Blue Cash Preferred Card American Express

If you have a family of any size and you spend a good chuck of your paycheck at the grocery store, The Blue Cash Preferred Card is for you. You can earn 6% rewards on grocery store purchases, plus, 3% on gas and department store purchases. Although there is a $95 annual fee, you can easily make up for that within your first three months with a $200 bonus on $1,000 purchases. This money will be applied to your statement as credit.

Discover It Cash Back Match

Discover It offers 0% APR for the first 14 months and unlimited dollar-for-dollar match of the cashback you've earned in the first year. You can earn 5% in most major spending categories and 1% on all other purchases. Your rewards never expire. One of the perks of Discover It is that you can apply your rewards when making purchases at Amazon.com right at the checkout.

Quicksilver One Capital One
Even with an average credit score, you can still earn rewards with Quicksilver One. There is a $39 annual fee, but you can earn 1.5% rewards on all purchases. If you're getting back on track and able to consistently make your monthly payments, why not earn some rewards while you're at it?

How do You Choose the Right Card?

How will you determine which card is best for you? Analyze your spending habits and look at the short and long-term benefits of each card. There are thousands of rewards cards available and they all offer great benefits. Make sure you have a strong credit score and are able to meet the monthly minimum payment. It's also a good idea to speak to a customer service representative to weigh out the pros and cons of each card before making any commitments.

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