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Credit cards that offer a certain percentage of cash back are growing in popularity. Some of them offer the choice of cash back as a statement credit, a money card or a gift card to a chosen business. These are some of the best card options for people who want to maximize their bonuses.

Chase Freedom

chasefreedomccThis card offers temporary bonuses on some purchases, and the types of qualified purchases vary each quarter. Cardholders enjoyed earning 5 percent cash back on these promotional purchases. The standard rate for all other purchases is 1.5 percent. One of the reasons why this card was highly rated was its reward of $150 or 1,500 bonus points for spending $500 within the first 90 days. Also, the card comes with a no-interest introductory period of more than a year. However, cardholders did not like the hassle of having to log in every quarter to manually opt in for the rotating rewards. Also, the card charges a foreign transaction fee and was rated poorly as a travel card.

Citi Double Cash

citi-double-cashThe Citi Double Cash card receives good ratings for everyday purchases. It rewards cardholders for buying and paying off their purchases. When they buy something, they earn 1 percent cash back. They earn another 1 percent back on that purchase when it is paid off. Buyers rate it highly for its ease of use. The reward redemption process is simple. However, they were disappointed that it did not offer any other bonuses. Also, it does not have any unique features. It is mostly recommended for people who just want a small discount on every purchase and can pay off their purchases in a timely manner.

Capital One Quicksilver

capital-one-quicksilverThis card is highly rated for its no-interest introductory period. However, many people were unhappy about how short that period was, and they also complained about the card’s regular interest rates being steep. However, they were happy about the generous 1.5 percent cash back bonus on purchases and the free perks such as regular credit score monitoring, no annual fee and no foreign transaction fees. Also, there is a $100 reward for spending $500 within the first few months of signing up.

Discover It

discover_it_spruce_1The Discover It card is similar to the Chase Freedom card. It offers 1.5 percent cash back on all purchases, and rotating rewards of up to 5 percent cash back on purchases from varying vendors each quarter. There is no penalty APR, and customers who paid late once were happy to see that the first late payment fee was waived as a courtesy. They also liked the first year’s no-interest bonus. Two common complaints were the hassle of manually opting in for revolving bonuses and not receiving any bonuses for signing up.

BankAmericard Cash Rewards

bankamericard-cash-rewardsThis card affords users between 1 and 3 percent cash back on various purchases. Many cardholders rated it highly for its redemption bonus of 10 percent when they transferred their cash rewards into an eligible Bank of America checking or savings account. The card rewards cardholders who spend $500 within the first 90 days with $100 cash back. This card comes with no interest for 12 months and a rate below 14 percent after that. Cardholders did not like that they had to manually opt in for bonuses, and some people reported inaccurate reward balances.

Blue Cash Preferred

blue-cash-preferredThis American Express card is rated highly among people who shop at supermarkets and gas stations frequently. Most of the rewards are for purchases in these places. Cardholders were especially impressed with the reward rate of 6 percent for major supermarket purchases. However, the annual reward limit is $6,000 for supermarket transactions. All other purchases earn 1 percent cash back. Two common complaints were the card’s annual fee of $95 and the limited acceptance of American Express in many grocery stores.

Choosing the right card for cash back depends on individual spending habits. To pick the best card, look at vendors and consider the card company’s cash back choices before signing up. Also, pay close attention to annual fees and regular interest rates after any no-interest period.