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Best Cash Back Credit Cards in 2017

Discover it - Cashback Match

We all spend money everyday. You can make your purchases more satisfying if you get one of the cash back credit cards described in this article. We did our best to find the most beneficial offers.

Overview of the best cash back credit cards offers:

Discover it® – Cashback Match™

The best cash back credit card with a sign-up bonus – Discover it® – Cashback Match™:

Discover it - Cashback Match

  • No annual fee.
  • Your reward: You can earn 5% from each of the purchases you make in rotating categories. The list of such like purchases involves purchases at gas stations, items you buy at Amazon.com, dinners you pay for at a number of restaurants, things you buy at retail stores and many more. The reward is credited to your account each quarter of a year. As for all other purchases you may make, you’ll get 1% cash back on them.

Chase Freedom®

The best cash back credit card with a variety of bonus categories – Chase Freedom®:

Chase Freedom

  • No annual fee.
  • Your reward: You can get a cash back of 5% on the purchases you make in bonus categories. Pay attention to the fact that the minimal sum on that you can get a cash back amounts to $ 1,500. The cash back is credited to your account each quarter of a year if you meet the requirement mentioned above. You can earn 1% on all the rest purchases you make in other categories. There are no requirements here. You get the reward automatically.

Citi® Double Cash Card – 18 month BT offer

The best flat-rate cash back credit card – Citi® Double Cash Card – 18 month BT offer:

Citi Double Cash Card – 18 month BT offer

  • No annual fee.
  • Your reward: You get 1% cash back when you buy an item using this card and additional 1% when you pay it off.

 

Blue Cash Preferred® Card from American Express

The best cash back credit card to have for everyday spending – Blue Cash Preferred® Card from American Express:

Blue Cash Preferred Card from American Express

  • Annual fee amounts to $95.
  • Your reward: You get 6% cash back when making purchases at US retail stores. However, this rate applies only under the condition that the overall sum of the purchases you make during a year amounts to $6,000. If you fail to meet the requirement, you’ll earn 1% only. You also earn 3% when you pay with the card at US gas stations and certain department stores. For all the rest purchases you earn 1%. Pay attention to the fact that there are certain terms and limitations.

Capital One® QuicksilverOne® Cash Rewards Credit Card

The best cash back credit card to have in case of an average credit – Capital One® QuicksilverOne® Cash Rewards Credit Card:

Capital One QuicksilverOne Cash Rewards Credit Card

  • Annual fee amounts to $39.
  • Your reward: You get a cash back of 1,5% on any kind of purchase you make everyday.

 

The best cash back credit card with a sign-up bonus – Discover it® – Cashback Match™

Discover it - Cashback Match

Description of the card:

  • APR Offer for those applying for the card first time. No fees for any kind of purchases you make and balance transfer operation during the first 14 months.
  • APR that occurs after the “bonus” period. Standard APR amounts to 11.99 – 23.99%. The rate varies. Cash Advance APR amounts to 25.99% but can also vary. No annual fee is implied.
  • Special Offer. With this card you’ll get cash back on the total sum of all your purchases made during the first year. There are no requirements you need to meet. You get cash back automatically.

More information on the card

  • SPECIAL OFFER: During the first year, you’ll get cash back on all the purchases you make. The sum will be credited to your account at the end of the year.
  • You can get a cash back of 5% when making purchases on Amazon and Target. The offer expires in January 2018. The rate applies on the sums up to $1,500. However, mind that the bonus categories that are subjects to such a high rate need to be activated. When making any other purchases, you’ll get 1% cash back.
  • You can ask for the cash back on any sum of money spent any time. Your reward is not bound to any particular time period. It will never expire.
  • If any problems occur, you can contact the customer support service that’s based in U.S.
  • You can get Credit Scorecard for free. You’ll also get FICO® Credit Score. You’ll able to get additional information concerning the number of recent inquiries and other useful information.
  • You get alerts each time you visit suspicious websites. The feature is new. There is a special monitoring system that looks out for the websites that are dangerous to visit.
  • You don’t have to pay any annual fee for using the card.
  • If you want to get more information concerning the rates and other terms, click on the “APPLY NOW” button.

Advantages

You can get a cash back of 5% for making purchases in the categories that you choose and activate. The sum you can get a cash back on every quarter of a year amounts to $1,500. As for all the rest purchases you’ll make in other categories, you’ll earn 1% cash back for them. Since there is a wide variety of categories you can activate as bonus ones, the chances that you’ll save some money are quite high. Only you are responsible for activating your bonus categories. With this card everything is a bit different. You won’t get a certain amount paid to you as cash back once you spend a particular amount of money. All your purchases made during the first year of you using the card will be taken into account. You’ll get cash back on the total sum of money you’ll spend during this period. The reward will be credited to your account at the end of the year.

Disadvantages

It can be quite a bother to activate your bonus categories each quarter. Besides, grocery stores haven’t been included as a bonus category for a number of years already. If you have a big family and you need to buy lots of food, this card may not be your best choice.

Conclusion

When it comes down to cash back rate, this card serves as an example to follow. Besides, there is a wide variety of categories that you can choose from. These are the categories we all spend money on regularly. There is no annual fee to pay. Consequently, you can use this card either everyday or a backup.

The best cash back credit card with a variety of bonus categories – Chase Freedom®

Chase Freedom

Description of the card:

  • APR Offer for those applying for the card first time. There is no fee on any purchases and balance transfer operations you make during the first 15 months.
  • APR that occurs after the “bonus” period. Standard APR amounts to 15.99 – 24.74%. The rate varies. Cash Advance APR amounts to 25.99% but can also vary. No annual fee is implied.
  • Special Offer. Make sure that you spend at least $500 during the first 3 months of using the card. If you meet this requirement, you’ll get a bonus – $150.

More information on the card

  • You get a bonus of $150 for the purchases you make during the first 3 months. The total sum to be spend is $500.
  • You get 5% cash back on the sums up to $1,500 spent in bonus categories. You have to activate the categories each quarter of a year.
  • There appear new bonus categories each quarter for which 5% cash back is implied.
  • You get an automatic cash back on all the rest purchases you make.
  • There is no APR on the purchases and balance transfers carried out during the first 15 months. After that, the APR of 15.99-24.74% will apply. The minimum sum of money to transfer is $5 and the fee for carrying the operation out amounts to 5% from the total sum.
  • The sum you can redeem for cash back is not limited.
  • As long as your account is active, your rewards do not expire.
  • There is no annual fee to pay.

Advantages

You get a cash back of 5% for making purchases in your bonus categories. The list of the categories is constantly expanding. For all the rest purchases, a cash back of 1% applies. The bonus that you can receive after the first 3 months of using the card serves as an additional advantage. It’s very easy to get it. You only have to spend $500 during these 3 months.

Disadvantages

You need to choose and activate your bonus categories each quarter of a year. You can activate them any time during the quarter. In this case, you’ll still get cash back for all the purchases made during the period of time. However, if you forget to activate your bonus categories, you won’t get any reward for the money spent. If you don’t spend that much money in the categories offered to get the reward, you’d better choose a different card.

Conclusion

The card is well-known for its high cash back rates and easy cash back redemption process. Besides, there is no fee you have to pay each year for using it. If you spend lots of money on buying items from 5% cash back categories, this card will help you save a big sum of money.

The best flat-rate cash back credit card –  Citi® Double Cash Card – 18 month BT offer

Citi Double Cash Card – 18 month BT offer

Description of the card:

  • APR Offer for those applying for the card first time. There is no fee on balance transfer operations you carry out during the first 18 months.
  • APR that occurs after the “bonus” period. Standard APR amounts to 14.49 – 24.49%. The rate varies. Cash Advance APR amounts to 26.24% but can also vary. A different APR applies in case you don’t pay off for the purchases made on time. The rate amounts to up to 29.99% but it can also vary. No annual fee is implied.
  • Special Offer. There are no special offers for this card.

More information on the card

  • You get cash back twice. The first time is when you buy an item using the card and the second time is when you pay the sum off. In both cases your reward will amount to 1%.
  • You don’t get any reward for balance transfer operations.
  • You don’t pay any money for carrying out balance transfer operations for the first 18 months. After this period, there will apply a certain APR. The APR that will apply in your case depends on your creditworthiness.
  • If you want to see more information concerning balance transfer fees and information on the way balance transfer operations influence the interest the bank gets, click on the “APPLY NOW” button.
  • There is no annual fee to pay, as well as there are no bonus categories and caps on cash back.

Advantages

The biggest advantage of the card is that it allows you to get the cash back twice – when you buy and when you pay off. Your reward can be redeemed as a statement credit. Besides, it can be credited to your gift card account. There is also the 3rd option – you can request a check to be delivered via mail.

Disadvantages

There are no bonus categories for you to get higher rewards. You need to get specific cards if you want to get a higher cash back. The minimum sum you can withdraw as a cash back is $25.

Conclusion

The thing that makes this card so popular is that the system of cash back is simple. There are no bonus categories to activate. You just go shopping as you usually do and get your reward later on.

The best cash back credit card to have for everyday spending – Blue Cash Preferred® Card from American Express

Blue Cash Preferred Card from American Express

Description of the card:

  • APR Offer for those applying for the card first time. There is no fee on purchases and balance transfer operations you carry out during the first 12 months.
  • APR that occurs after the “bonus” period. Standard APR amounts to 13.99 – 24.99%. The rate varies. Cash Advance APR amounts to 26.24% but can also vary. A different APR applies in case you don’t pay off for the purchases made on time. The rate amounts to up to 29.99% but it can also vary. The fee you have to pay each year is $95.
  • Special Offer. If you manage to spend $1,000 during the first 3 months of using the card, you’ll get $200 statement credit. Pay attention to the fact that the offer is a subject to certain terms and conditions.

More information on the card

  • If you meet all the necessary requirements, you can get $200 statement credit.
  • If you manage to spend the sum of $6,000 during a year, you’ll get a cash back of 6% for the purchases made in the US retail stores. If you don’t spend that much, you’ll still get a cash back of 1%.
  • If you have a car, this card will be also useful for you. You can get 3% cash back for the purchases made at the US gas stations. For any other kinds of purchases, you’ll earn 1% cash back.
  • No APR for the purchases and transfer operations carried out during the first 12 months is a huge advantage of the card.
  • The number of stores and places in the US where you can pay using this card is constantly increasing.
  • Each year you have to pay the fee of $95.
  • You can request your reward as a gift card, statement credit or merchandise.
  • The offers and rates concerning the card are subjects to certain terms.

Advantages

The card is advantageous for those who often buy food and other items at the US retail stores and makes purchases at the US gas stations. With this card you’ll be able to save a considerable amount of money if this is about you. If you buy a gift card and then use it at a number of such like places as restaurants and merchants, your cash back rate will apply not only to the groceries. One more thing that makes the card so popular is the sign-up bonus. Actually, American Express may have a better offer for you. It depends on your creditworthiness.

Disadvantages

Considering the fact that it’s a cash back card, the annual fee to pay is quite high. However, if you manage to spend at least $31 per week for groceries, you’ll get it back as cash back. You need to remember that this is an American Express card – it may not be accepted in some plac3s outside the country.

Conclusion

This card will be advantageous for you only under the condition that you spend $61 per week making purchases in retailer stores and gas stations. If you spend less, you’d better apply for the Blue Cash Everyday® Card from American Express. There is no annual fee in case of this card. However, the cash back rates are significantly lower.

The best cash back credit card to have in case of an average credit – Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

Description of the card:

  • APR Offer for those applying for the card first time. There is no special offer that applies for those applying for the card first time.
  • Standard APR. Standard APR amounts to 24.99%. The rate varies. Cash Advance APR also amounts to 24.99% but can also vary. The fee you have to pay each year is $39.
  • Special Offer. There is no special offer for this card.

More information on the card

  • You can use the card every day and get a cash back of 1.5% for any kind of purchase you make.
  • If you’re a Premium member of the Spotify, you can get a cash back of 50% on your subscription every month as a statement credit. The offer expires in April 2018.
  • You don’t need to activate any bonus categories. There are also no sign-up bonuses. You just get your reward for the purchases made. You get your reward while your account is active. Your rewards are not connected to any particular period of time.
  • If you pay off on time during the first 5 months, you’ll have an opportunity to get a higher credit line.
  • In case you lose your card or someone steals it from you, there is a special system that won’t allow anyone else but you use your card. We take the question of your money security very seriously.
  • You can log in to your online banking account either via an Internet browser or via the official application.
  • If you use the card with all your responsibility, it will increase your creditworthiness for future.

Advantages

The rate of 1,5% cash back is quite advantageous especially for those who doesn’t have a perfect credit. Besides, you can earn as many rewards as you want. Actually, this card has the same rate as the Capital One® Quicksilver® Cash Rewards Credit Card. The difference is that the 2nd card mentioned can be given only for those who have an excellent credit history. Your credit limits may be increased if you pay off on time during the first 5 months.

Disadvantages

The annual fee to pay seems to be not that high. However, it doesn’t change the fact that you have to pay. The APR is quite high. You’d better plan on how you’re going to pay off way ahead. Moreover, you’d better pay off in full. If you don’t do it, your rewards will have no use because you’ll spend them on paying off the interest.

Conclusion

Actually, there aren’t that many people who have a credit score of 800 or higher. This card gives an opportunity for those building their credit scores enjoy an appealing cash back of 1.5%.

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Comments: 4
  1. CristyAllen

    I absolutely love my Discover Card. They often come up with great offers for me to sign up to. Sometime ago I signed up for a special offer. As a result, I got cash back on all the purchases made during the previous 12 months. It’s amazing!

  2. SteveNYC

    My recommendation for those looking for the best cash back credit cards is to use the following cards together: Discover card, Chase Freedom, Citi Double and Costco. I personally regularly use my Chase and Discover cards to get 5% cash back from purchases at supermarkets. Citi Double allows you to earn 2% from the amounts you spend and Costco’s rate is 1%. All in all I manage to get back 3% from the sums spend on buying different items and booking travelling tours.

  3. PaulStevenson

    I’ve been using AMEX Blue for 15 years already. I’m happy I chose the card and was given it. I have absolutely no complains!

  4. Lesley Stone

    The Chase Freedom card offered 5% cash back in two of four quarters previously. Now I can’t get the cash back of the mentioned rate during the summertime. I’m seriously thinking of applying for a Citi card that promises a cash back of 2% total. I have a great credit score. Can someone recommend me the most beneficial card to use with the credit score of 800?

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