3 Top Rated Cash Back Credit Cards
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.
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.

Step 1. Maximum your FICO score and pay down/off your credit card balances. You have to pay down as much of your credit card bills as possible. Due to the delay of reporting of your account balances, you need to do this at least a month or two before you launch your AOR. Then you should call up your current card issuers and request to increase your credit limit without a hard credit inquiry. In this way, you can get higher credit limit from your new credit card issuers which are likely to match your current maximum credit limit. You should also have to bump all of hard inquiries on your credit report (
This is a security feature of Citi credit cards. Whoever has a Citi credit card is eligible to use virtual account number as long as he/she has registered his/her credit card online. Generating a virtual account number is very easy in your Citi online account. Log in to your online account and select “Get a Virtual Account Number” on your screen. You can choose to download a software or opt for the online program which requires you to log in your account each time you need to generate a virtual account number. After you enter you real credit card number, the tool will automatically generate a new number for you. You can decide when the virtual credit card will expire between 2 to 12 months but on longer than the actual expiration date of your real credit card. If you want to change the expiration date, you have to generate a new credit card number. The virtual account numbers can be used when the purchases don’t require the presence of a physical credit card. You have to allow pop-up windows when use this program.
The Secure Online Account Number is a free service that providing additional online security for Discover card members. Like Citi’s virtual account numbers, you can choose to download the software (PC version) or use a online web application (browser version) to generate a virtual account number every time when you need one. For the PC version, download the tool and it will automatically launch each time you go to make a purchase. Click the “Fill Form” button, and a secure account number, Valid Through (Expiration) date and CID (security code) will be generated and automatically entered into the “Credit Card Number” field(s) of the online merchant’s checkout form. For the browser version, you have to follow these steps:





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