The Best Cash Back Credit Cards of 2. Cash back credit cards can help consumers practice responsible spending while earning a little extra for their efforts when used properly. The days of earning 5 percent cash back for all credit card purchases may be just a memory, but the smart use of credit cards can still be profitable for diligent consumers. You may be able to find some credit cards offering a high level of cash back in certain spending categories, but these are often subject to maximums. NerdWallet's credit card experts rank the best credit cards out there. Best Cash Back Credit Card Offers. Get rewarded through the new Giveback Most of today’s better cash back credit cards offer 1 percent to 2 percent cash back on purchases. However, if you look hard enough, you’ll find a number of credit cards with higher cash rebates. Keep in mind that in order to make credit card with rewards programs worthwhile, you must pay your bill on time and in full every single month to avoid interest charges and late fees. This ever- changing list reflects the best cash back credit cards currently available. The Discover it Card- Cashback Match has a tempting offer for anyone considering a new cash- back card— they’ll double all the cash back you’ve earned at the end of your first year automatically on this card. This offer is only intended for new cardmembers and is only available for a limited time. That applies to the 5 percent cash back in quarterly categories as well as the 1 percent cash back on all other purchases. With the new New Freeze It. You can also get your free FICO. All other purchases earn 1% cash back. Sign up bonus: Discover will double your cash back rewards at the end of your first year. Annual Fee: None. Introductory APR: 0% on purchases and balance transfers for 1. Other Benefits: Discover gives you free access to your FICO score. Find out how to apply for the card here. The Chase Freedom card offers a lot of ways to save. First, get a $1. 50 bonus after spending $5. Besides this bonus, with Chase Freedom you can earn 5% cash back on up to $1,5. You’ll earn unlimited 1% cash back on all other purchases. It also offers a longer introductory APR than many cash back cards. Cash Back: 5% on categories that change each quarter, up to $1,5. ![]() All other purchases earn 1% cash back. Sign up bonus: Get a $1. Annual Fee: None. Introductory APR: 0% on purchases and balance transfers for 1. Other Benefits: You can earn an additional $2. Find out how to apply for the card here. Cash back is earned only on eligible purchases as follows: 6% cash back at U. S. No enrollment is required. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can also earn $1. You will receive the $1. There is a $9. 5 annual fee. Find out how to apply for this card here. Choose the right credit card for you. Discover offers cash back. If your account is closed or no longer in the cash back reward program at the. NerdWallet: Hi Vikram, As Kelly notes, the Chase Sapphire Preferred isn't technically a cash back card because its best value comes from redeeming for travel. Vikram: why isn't chase preferred card included here? The best cash back credit cards can help you earn. Look for a Rewards Program That Matches. 2X points earning potential, and access to the Chase Ultimate Rewards program (the best rewards program out there). The Best Rewards Credit Card Combo for 2016. Best Cash Back Credit Card. Apply Now on Chase.com's.
![]() While you save on the fee, the rewards are a step down. You’ll earn $1. 00 back after you spend $1,0. The cash back percentages are a bit lower, but still very good: 3% cash back at U. S. There are no categories to remember or quarterly signups to worry about. In addition, you can earn a one- time $1. It also offers a unique perk–Every 1. Uber ride is free up to $1. Quicksilver. There is no annual fee. Cash Back: 1. 5% cash back on all purchases. Sign up bonus: Get a $1. Annual Fee: None. Introductory APR: 0% on purchases and balance transfers for 9 months. Other Benefits: Every 1. Uber ride is free up to $1. Quicksilver card through March 3. Find out how to apply for this cardhere. With Discover it. The double cash back is limited to $1,0. Still, that’s $1. The categories for double cash back with Discover it. In order to make using the cash back points even easier, Discover. That could come in handy during the holiday seasons. Cash Back: 2% cash back on all purchases at gas stations and restaurants, up to$1,0. Sign up bonus: Discover matches all your cash back earned the first year. Annual Fee: None. Introductory APR: 0% on purchases and balance transfers for 1. Other Benefits: Free access to your FICO score. Find out how to apply for this card here. The Ink Cash Business Credit Card is a business card, but sole proprietors can open an account too. Not only is this a good cash back card, but it’s the card I recently chose to open for a side business. Chase is currently offering new customers a $2. Beyond the opening bonus, Chase offers cardholders 5% cash back on purchases at office supply stores, telephone (mobile and landline) payments, and cable and internet bills, up to a total of $2. The next tier is a 2% cash back rate on combined purchases up to $2. These bonus cash back tiers include points that aren’t added to your account until the anniversary of your card opening, so that’s a little inconvenient. Otherwise, all other purchases earn an unlimited 1% cash back. Always see issuer’s terms regarding APR. Cash Back: Earn 5% cash back on the first $2. TV services each account anniversary year. Earn 2% cash back on the first $2. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. Sign up bonus: $2. Annual Fee: None. Introductory APR: 0% on purchases and balance transfers for 1. Other Benefits: Employee cards at no additional cost. Find out how to apply for this card here. Citi Double Cash. The Citi Double Cash card offers up to 2% cash back on all purchases. You earn 1% cash back on every purchase. You earn another 1% cash back when you pay for the purchase. There is no annual fee, and the card also offers a competitive 0% introductory rate offer on balance transfers and purchases. Cash Back: 1% cash back on every purchase and 1% cash back as you pay for those purchases. Sign up bonus: None. Annual Fee: None. Introductory APR: 0% on balance transfers for 1. Other Benefits: None. Fidelity Rewards Visa Signature Card. The Fidelity Rewards Visa Signature Card is regularly cited as a Consumerism Commentary readers’ favorite. You’ll earn a solid 2% cash back on every purchase. On top of that, there is no annual fee. This card requires a linked account at Fidelity, but these accounts are free and can be good choices for savers and investors. A few years ago, I chose to rollover a former company’s 4. Fidelity IRA, and I use Fidelity as the servicing company for my charitable gift fund. Their index mutual funds are some of the lowest cost in the business, but for most of my own investing I prefer Vanguard. Vanguard, however, does not offer a similar credit card offer. If you’re holding on to a cash back credit card that you feel deserves to make this list, let me know by leaving your thoughts in the comments below. If the offer is good, I’ll add it to this best cash back credit cards list. Cash Back: 2% cash back on all purchases. Cash back rewards are deposited into your Fidelity account. Sign up bonus: None. Annual Fee: None. Introductory APR: None. Other Benefits: None. Find out how to apply for this card here. Follow @Consumerism. Comm on Twitter and visit our Facebook page for more updates. He has been blogging and writing for the internet since 1. Find out more about Luke Landes and follow him on Twitter. View all articles by Luke Landes. Read related articles from Consumerism Commentary.
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