This Everyday Rewards Visa Card issued by National City Bank is one of my favorite rewards card. I use this card essentially everyday. I have also mentioned this card in “My Favorite Rewards Credit Cards” post. I forgot to mention that this card was selected as one of Kiplinger’s Best of the Cash Back Card. I personally use this card together with Chase Freedom Card a lot. The default APR of this card is also among national average. So this is an ideal cash back card for daily use.

This Everyday Rewards Visa Card is designed for those with average credit who would like to earn cash back on everyday purchases. You use this card for everyday purchases and accumulate rebates every month. Once your rebate accumulated in your account is more than $100, they will automatically send rebate check to you with your monthly statement. Or you can call them up and ask them to deposit the rebate check as a credit in your account.

How about the cash back compared to other rewards cards?

You can earn a certain percentage cash back on each purchase depending on where you use your card.

4% cash back on gasoline at the pump—up to $250 in eligible monthly net purchases. Although there are many 5% gas rebate card out there, 4% cash back is not that bad. Because you have many other rewards categories from which you can still earn cash back. $250 is enough for most drivers (but not business travelers).

3% cash back on cinema and movie rentals—up to $150 in eligible monthly net purchases. If you watch or rent movies a lot, this might be a right card for you. Or if you want to get more for what you spent, you can try the Citi mtvU Visa Card which gives 5 thankyou points for every dollar spent at theaters and video stores.

2% cash back on groceries, restaurants, and fast food—up to $750 in eligible monthly net purchases. This is why I love this card. With a single credit card, you can maximum you cash back from wherever you spend. You don’t have to carry many credit card in your wallet and wondering which card to use at checkout. You can even get 2% cash back from Wal-Mart (categorized at grocery).

Of course, you can earn up to 1% cash back on everything else. (only 0.25% for the first $10,000)

In addition to the rewards program, cardholders can also get up to $25,000 in travel accident insurance, auto rental insurance, and other varies travel and emergency assistance services. There is no annual fee associated with this card.

To apply for this card, you’d better go to your local branch and submit your personal information there. In this way, National City can make a decision very soon. If you submit your application online, you would probably have to wait for about several days. Their online application system seems to not make instant approvals.

Another important note for international students: If you have a checking or savings account at National City Bank, you can talk to the banker and ask him/her to apply for this card for you. According to what I know, many international students can get this card without SSN.