The credit card market is very competitive nowadays. A lot of credit card issuers are promoting their certain credit card products with sign-up bonus, or high cash back rate. Of course, credit card issuers always have cards that pay 3~5% cash back at grocery stores, drug stores, restaurants, and gas stations. However, many of you may not know which card to choose from your wallet at checkout. This post is aimed to help you to choose some great cash back rewards cards to pay at checkout.
The Chase Freedom Credit Card is a great all-around cash back credit card. It pays 3% cash back on your top 3 spending categories (i.e., gas, utility bills, restaurants), and 1% back everywhere else. If you have a Chase Checking Account, you can get 3% cash back from 5 top categories! In addition, if you apply now, you can get $50 bonus after your first purchase! This card is the most popular credit card product from Chase which has more than 1.5 million card members worldwide. This is my favorite cash back card!
Ameircan Express SimplyCash Card
This Simply Cash Business Card should be your extra cash back card although is a business card. (For tips on how to apply for a business card without a real business, you can read this post.) Because it gives you 5% cash back at wireless services and office supplies. You can also get 3% cash back at pumps! The cash rewards will be credited to your monthly statement (nice!). Another feature I want to mention here is this card is a business card and the usage of this card will not appear on your personal credit report. No matter how much you spend on this card, it just won’t affect your credit score. This card is the most popular business card at MyCardBlog.com. Have a business card will boost your credit score in many ways.
Blue Cash from American Express
This Blue Cash from American Express is really a great credit card from American Express. Kiplinger’s Personal Finance magazine, the most trusted source in business and finance, named this cash back rewards credit card the “Best Cash Rebate Card” in its November 2006 issue. This card offers an excellent cash back rewards program. “Everyday Purchases” made at drugstores, gas stations, and U.S. supermarkets earn up to a 5% rebate, and all other purchases earn up to a 1.5% rebate ($6,500 threshold). So if you can charge more than $6,500 easily in a year, you can go for this card without hesitations.
This Discover More Card is for those with very good credit who want a cash reward credit card. Cardholders are able to earn a 5% cash back Bonus in categories such as travel, gas, restaurants, movies, and more (change every quarter). Up to 1% can also be earned on general purchases and 0.25% for purchases made at select warehouse clubs and discount stores. You can also earn up to a double cash back Bonus for redeeming your rebates for gift certificates from participating Discover Card Partners. What makes this card even more attractive is that there is no annual fee and a 0% introductory rate on purchases for six months. Balance transfers will be covered by a 0% introductory rate for twelve months. The newly launched ShopDiscover Program offers great cash back for shopping online.
Citi Dividend Platinum Select Card
This Citi Dividend Platinum Select Card lets you earn 5% cash back at gas stations, supermarkets and drug stores, convenience stores, and utilities including cable for 6 months and 2% thereafter. You can earn 1% cash back on everything else forever. This card also offers 0% APR on balance transfer for up to 12 months. This card is easy to get. You can redeem $50 check once you accumulate more than $50 in your account.
This Citi CashReturns MasterCard is an ideal card for those want to earn cash back for credit card transactions. You’ll earn a 1% rebate on purchases and cash advances. Also, for each balance transfer of $1,500 or more, five Citi Dollars will be awarded. Every time you earn $50 CitiDollars, a $50 check will automatically be issued. This is no limit on how much you can earn. You will also earn 20% bonus on cash back earned for the first 12 months. This card has no annual fee, a reasonably low interest rate on purchases, and an interest-free balance transfer offer for up to twelve months.
There are many other top posts about how to pick up a right credit card for you.
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