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Cash Back Articles |
Reward Yourself with Cash
If you’re currently using a credit card and you’re not getting anything out of it, you should start to consider signing up for a new credit card. As you may know by now, there are so many different types of credit cards out there that offer so many types of rewards. One of the best credit cards that are recommended by others is a cash back credit card.
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Cash Back Starting Guide
So, you’ve finally decided that you want to apply for a credit card that gives you cash back. The only thing now is that you want to learn a little bit more about them before you actually apply for that perfect credit card. Cash back credit cards are very simple to understand and the purpose of this article is to help better explain what you should look for when you’re applying for a credit card.
Check the rates
Like any credit card you apply for in life, you have to check out the rates of the card before you actually apply. The most important rate you’re going to want to look at is the APR rate. This of course is going to be the rate that is charged to your balance. On top of the APR rate, you will want to also check on the intro rates and how long they will last. Some credit card companies tend to mislead you with introductory rates that don’t last that long.
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Finding the Perfect Cash Card
Like anything in life, finding the best of anything is usually hard but after you read this page, it should help you find the best cash back credit card that fits your everyday needs. In order to find the best credit card that fits your needs, ask yourself the following questions and follow the simple steps and you’ll be on the right path in no time.
Check out your needs
Get a piece of paper and simply write down what you spend your money on each month. Write down everything from fast food to grocery items. After you’re done completing this task, look at the category that you spend the most money on. A lot of the time you will find that this category may be eating out, gasoline or groceries itself.
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Credit Report Scores |
Below
is a chart of credit report scores. Credit report
scores are important when it comes to applying
for a rewards credit card. To find out what your
credit report score is, please click on the link
below.
Great
Credit |
750-850 |
Good
Credit |
660-749
|
Fair
Credit |
620-659 |
Poor
Credit |
350-619 |
No
Credit |
0 |
Get your score now.
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Cash Back Credit Cards |
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- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- No Annual Fee
|
Intro
Rate |
Intro
Period |
Regular
APR |
Rebate |
Annual
Fee |
0% |
6 months |
11.99% - 20.99% (V) |
1% - 20% |
$0 |
Up to 20% cash back! |
|
|
- 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
Rate |
Intro
Period |
Regular
APR |
Rebate |
Annual
Fee |
0% |
up to 12 months |
as low as 12.99% |
5%* |
$0 |
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- Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
- 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- No Annual Fee.
|
Intro
Rate |
Intro
Period |
Regular
APR |
Rebate |
Annual
Fee |
0% |
7 months* |
12.99% - 19.99% (Variable) |
points |
$0 |
Get Rewarded for Good Behavior |
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|
- $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
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Intro
Rate |
Intro
Period |
Regular
APR |
Rebate |
Annual
Fee |
0% |
12 months* |
12.99% - 20.99%*(variable) |
1 point + |
$0 |
No Annual Fee |
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|
- 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
Rate |
Intro
Period |
Regular
APR |
Rebate |
Annual
Fee |
0% |
6 months |
11.99% - 20.99% (V) |
1% - 20% |
$0 |
Up to 20% cash back! |
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- Cash rewards for your good credit management
- Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
- 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
- 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
- 3.99% intro APR on purchases for a full 12 months , then the Regular APR
|
Intro
Rate |
Intro
Period |
Regular
APR |
Rebate |
Annual
Fee |
3.99% |
12 months |
11.99% - 20.99% (V) |
1% - 20% |
$0 |
Get 5% cash back on particular purchases! |
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- No balance transfer fee for balances transferred in response to this online offer.
- Travel Rewards - cardholders who enroll in the program will receive one point per net dollar spent.
- No annual fee.
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Intro
Rate |
Intro
Period |
Regular
APR |
Rebate |
Annual
Fee |
N/A |
N/A |
9.25% |
1 point for travel |
$0 |
Excellent Credit Required! |
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- Earn 1% in cash back credit on all qualifying purchases.
- No limit on the cash back; No expiration dates
- NO annual fee.
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Intro
Rate |
Intro
Period |
Regular
APR |
Rebate |
Annual
Fee |
1.99% |
6 months |
low as 8.25%* |
1% |
$0 |
No Limits. No Expiration. |
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|
- 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
Rate |
Intro
Period |
Regular
APR |
Rebate |
Annual
Fee |
0% |
6 months |
11.99% - 20.99% (V) |
1% - 20% |
$0 |
No annual fee! |
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Instead of having a credit card that gives you point rewards, why don't you sign up for a credit card that gives you cash back? With cash back credit cards, you'll receive a rebate every billing period. Rebates range anywhere from 1% to 5% and beyond.
Cash back credit cards will require decent credit and also reward you with more than just cash back. Check out the selection below of credit cards that offer cash back rewards only. If cash back cards isn't what you want, you may want to look into reward credit cards as well that benefit you in the same way.
Most cash back cards on the market are going to require that you have somewhat of a good credit score. If you have a score under 600, you may want to look into something else. What you're going to find out is that there are rewards for everything. You can get everything from rewards on gas, supermarkets, clothing, and so much more.
Since there are so many cards on the market, be sure to do your homework. I would advise that you look into the introductory rate, what kind of reward rate that you're going to get, as well as how you can redeem your rewards. Some banks are going to give you your money back in terms of cash, while others will use a rewards system.
We made it easier here and narrowed down the categories on the side. You can choose from 0% balance transfer cards, to cards that are going to approve you on the spot! |