Welcome to the World of Cash Back Credit Cards
Hello friends, the world of credit cards can be overwhelming, but if you’re smart and savvy with your money, then a cash back credit card might be the perfect way to earn some extra money. In this article, we’ll take a look at some of the best cash back credit cards available on the market today.
Earn a $200 Cash Back Bonus with the Bank of America Cash Rewards Credit Card
The Bank of America Cash Rewards Credit Card has some great benefits, including 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs, and 1% on all other purchases. In addition to these rewards, Bank of America will also give you a $200 cash back bonus after you spend $1,000 in the first 90 days of opening the card.
With the Bank of America Cash Rewards Credit Card, you can choose your own category for the 3% cash back. Categories include gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. You can change your category once per month, making it easy to maximize your rewards.
Another great feature of this card is that there’s no annual fee, making it a perfect choice for those who want to earn rewards without paying an extra fee. Additionally, if you’re a Bank of America Preferred Rewards member, you can earn even more rewards.
Get $200 Bonus with US Bank Cash Plus Card
US Bank Cash Plus Card is another great choice for those who want to earn some extra cash back. This credit card offers a $200 bonus after you spend $500 within 90 days of opening the card. Additionally, you can earn 5% cash back on two categories of your choice, 2% cash back on one everyday category (such as gas or groceries), and 1% cash back on all other purchases.
The categories you can choose from for the 5% cash back include restaurants, department stores, home utilities, and more. You can change your categories once per quarter, which means you have the opportunity to maximize your rewards throughout the year. Plus, there’s no annual fee with this card, making it a great choice for those who want to earn rewards without paying an extra fee.
Best Cash Back Credit Card with No Annual Fee
If you’re looking for a cash back credit card with no annual fee, the Citi Double Cash Card is a great option. This card allows you to earn 2% cash back – 1% when you make a purchase, and 1% when you pay off your balance. There are no caps or limits to the amount of cash back you can earn, making it easy to rack up rewards quickly.
Additionally, this card has a 0% intro APR for balance transfers for 18 months (after, variable APR applies.) This means you can transfer balances from high-interest credit cards to the Citi Double Cash Card and pay off your debt without accruing additional interest.
Cash Back Credit Card with Bonus Points
Another great option for cash back credit cards with bonus points is the Discover it Cash Back Card. This card allows you to earn 5% cash back on rotating categories (up to $1,500 in purchases each quarter), and 1% cash back on all other purchases.
But what makes the Discover it Cash Back Card unique is that at the end of your first year of membership, Discover will match all the cash back you’ve earned. So if you earned $300 in cash back rewards throughout the year, Discover will match that with another $300 in bonus cash back rewards.
On top of that, this card has no annual fee and offers 0% intro APR on purchases and balance transfers for 14 months (after, variable APR applies).
Cash Back Credit Cards Specifically for Travel
If you’re a travel enthusiast, then you’ll want to check out the Capital One Venture Rewards Credit Card. This card offers 2x miles for every purchase, which can then be redeemed for travel rewards.
Additionally, this card offers a sign-up bonus of 50,000 miles (after you spend $3,000 in the first 3 months of opening the card). These 50,000 miles are equal to $500 in travel rewards, making it a great way to start off your rewards journey.
Another great option for travel enthusiasts is the Chase Sapphire Preferred Card. This card offers 60,000 bonus points (after you spend $4,000 in the first 3 months of opening the card).
Additionally, this card allows you to earn 2x points on travel and dining, and 1x point on all other purchases. Plus, when you redeem your points through the Chase Ultimate Rewards program, you’ll receive 25% more value.
Maximizing Your Cash Back Rewards
So, now that we’ve covered some of the best cash back credit cards available on the market, how can you make the most of your rewards?
Firstly, make sure you take advantage of the sign-up bonuses offered by credit card companies. These bonuses can give you a head start on earning rewards.
Secondly, choose a cash back credit card with rewards categories that align with your spending habits. For example, if you spend a lot on groceries, choose a credit card that offers bonus cash back rewards on grocery purchases.
Thirdly, make sure you pay your credit card bill in full each month to avoid accruing interest. If you accrue interest, you’ll end up paying more in fees than you’ll earn in rewards.
Lastly, consider pairing a cash back credit card with other rewards programs. For example, if you travel frequently, consider pairing a travel rewards credit card with a cash back credit card to maximize your rewards on all purchases.
In conclusion, cash back credit cards can be an excellent way to earn some extra money. Whether you’re a travel enthusiast, shopaholic or just looking for a no annual fee credit card, there’s a cash back credit card out there for everyone.
By being smart with your credit card spending, and using your rewards wisely, you can make the most of your cash back credit card. So what are you waiting for? Sign up for your cash back credit card today and start earning rewards!
Thank you for reading. See you in the next exciting article!
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