Four of the Best Cash-Back Credit Cards
There has never been a better time than now to start looking into new credit card offers. Customers are reaping the rewards of credit card firms' fierce competition for the biggest customer base. The cash-back reward card is among the most widely used credit products available today. Get cash back on every transaction! The specifics may vary by bank, but the final effect is the same.
Take a look at the perks offered by the four best cash back rewards cards below and pick the one that suits you best. The low interest rates and large prizes were the deciding factors in my selection of these specific offerings.
The Chase Visa Card with Cash Plus Rewards
Chase doesn't burden the consumer with a mountain of rules and regulations, which is why this card is one of my favorites. In order to earn prizes with some of the available cards, you're need to adhere to extremely detailed rules. The Cash Plus Rewards Visa makes it easy to earn cash back with every purchase.
You can get 5% cash back at participating supermarkets, petrol stations, and pharmacies whenever you use your card. On top of that, you'll earn 1% cash back whenever you use it. Afterwards, you have the option to request a check from Chase Bank or a gift certificate for stores like Best Buy, Macy's, and Home Depot when your balance reaches a certain point.
The Cash Plus Rewards Visa card comes with a 0% introductory APR on purchases and balance transfers for the first twelve months, and there's no annual fee.
Mastercard from HSBC with Cash Back Rewards
If you value safety features and benefits that are on par with the competition, this is the card for you. No minimum spending is required to get 1% cash back with the HSBC Cash Back MasterCard. They have an initial twelve-month period where the APR is zero percent. In the case of lost, stolen, or fraudulently used funds, you will incur zero liability and not pay an annual charge.
In contrast to the HSBC card, the Chase card offered 5% cash back on select transactions. On the other hand, this card includes travel accident insurance, extended warranties, and limitless purchase protection.
Credit Card from Citi: Dividend Platinum Select
If you desire cash back benefits and intend to pay off your balance in full each month, this is the card for you. Customers can get 5% cash back at supermarkets, pharmacies, and petrol stations, and 1% cash back anywhere else. While Citi does have an introductory 0% APR on debt transfers for the first year, their standard APR is greater than the cards we're looking at. While the cash-back benefits are nice, you shouldn't charge a lot to this card.
With Citi's Photocard feature and fraud early warning block, customers have the utmost security. Additionally, they offer Lost Wallet Protection, which ensures that your card will be replaced within 24 hours in the event that it is lost or stolen.
The American Express Blue Cash Program
If you'd want to split the rewards with a loved one, this is the card for you. Shop at drugstores, grocery stores, petrol stations, and home improvement stores to get up to 5% back on all purchases with Blue Cash. Plus, you can earn the same cash back benefits with any other cards you use. With a copy of the card in the possession of a parent, spouse, or kid, you can also earn cash back on their purchases.
With Blue Cash, you can enjoy a 0% APR for the first half of the year, followed by a low ongoing APR. To begin earning cash back, neither an annual fee nor a spending minimum is necessary. Consider using ID Keeper in conjunction with American Express' Smart Chip service. You can save time every time you log on by using this web tool to store your personal log-in and password information for the web.
To test the waters of credit cards, a cash-back reward card is a great choice. See what they're all about by giving a few of these a try. You might as well get more out of your purchases if you're already going to make them.
