It can be tough to keep up with bonus reward categories and tailor your spending to maximize your rewards. If you’re looking for a simple rewards credit card, the Capital One Quicksilver Rewards card is a great choice.
With the Capital One Quicksilver Rewards, you’ll earn unlimited 1.5 percent cash back on all purchases. And as a sign-up bonus, new cardholders earn a $150 cash bonus after spending $500 within the first three months of account opening.
Now through April 2018, get 50 percent back on when you use your Quicksilver Rewards card to pay for your monthly Spotify Premium subscription.
Important Pricing: Enjoy a zero percent APR on purchases and balance transfers for nine months. After that, the regular APR is 13.99 to 23.99 percent. There is no annual fee. Pay no foreign transaction fee on purchases made outside the United States.
What’s better than a cash back rewards credit card? A cash back rewards credit card that comes with perks. Before we get to the extra perks the Discover It card provides, let’s talk about the rewards program.
Cardholders earn five percent cash back on up to $1,500 in purchases in categories that rotate each quarter. All other purchases earn 1 percent cash back. This includes purchases above $1,500 in bonus categories. Rather than an initial signup bonus, Discover automatically matches all the cash back you earn at the end of your first year.
Your rewards never expire and can be redeemed for any amount at any time. You can even redeem your rewards in any amount on an Amazon.com order.
Now for the perks. With the latest data breaches, consumers must always be on guard for the use of their personal information. Discover provides free social security number alerts, letting you know if your most sensitive piece of identifying information is found on risky websites.
You don’t have to worry about someone using your lost or stolen card. The Freeze It feature allows you to freeze your account through the mobile app or website to prevent new transactions. If you later find your credit card, you can simply unfreeze it to start using it again. This saves you a call to customer service to have a new credit card sent to you.
Staying on top of your credit score is important for your credit health. You’ll get a free FICO score each month with your credit card statement.
Important Pricing: The Discover it Card comes with a zero percent APR for 14 months on purchases and balance transfers. After that, the regular APR is 11.99 to 23.99 percent. There’s no annual fee.
Families who spent a lot on groceries and gas will benefit from the Blue Cash Preferred American Express. Earn six percent cash back on up to $6,000 in purchases at U.S. supermarkets; three percent cash back at gas stations and U.S. departments stores; and 1 percent on everything else, including grocery purchases above the $6,000 threshold.
The Blue Cash Preferred American Express offers a relatively generous signup bonus, although the spending requirement is also slightly higher. New cardholders will earn $200 cash back after spending $1,000 on purchases in the first three months. The $200 is rewarded as a statement credit.
Important Pricing: Enjoy zero percent introductory APR on purchases and balance transfers for 12 months. After that, the regular APR is between 13.99 to 24.99 percent. There’s a $95 annual fee.
If you have a long commute to work or you travel a lot for business, you likely also spend more money on gas. The Bank Americard Cash Rewards pays higher rewards on gas purchases.
Earn 3 percent cash back on gas purchases and 2 percent back on grocery store and wholesale clubs on the first $2,500 in combined gas/grocery/wholesale club purchases each year. Earn 1 percent cash back on everything else.
As a signup bonus, you’ll get a $150 online cash rewards bonus after you’ve made at least $500 in purchases in the first 90 days of account opening.
If you’re a Bank of America customer, you’ll get a 10p percent bonus when you redeem your rewards into a Bank of America checking or savings account. Bank of America Preferred Rewards clients can increase the bonus 25 to 75 percent.
Important Pricing: Enjoy an introductory zero percent APR on purchases and balance transfers for the first 12 billing cycles. Balance transfers must be made within 60 days of account opening to qualify for the promotional interest rate. After that, the regular APR is 13.99 to 23.99 percent. There’s no annual fee.
Earning rewards on purchases is the norm for the vast majority of rewards credit cards. The Citi Double Cash pays a great incentive for paying off your credit card balance. The card pays 1 percent rewards on all purchases and then another 1 percent as you pay off your balance.
Citi will forgive your first late credit card payment, saving up to $27 on a fee. If you’re late again, you’ll be charged a late fee up to $38.
As a Citi cardholder, you’ll have access to special access to event tickets, like presale concert tickets through Citi Private Pass.
With Citi Price Rewind, you'll never have to regret a purchase because you’ve seen it offered for a lower price. Register your purchased items and get an automatic price adjustment if the item’s price drop within the next 60 days.
Important Pricing: The Citi Double Cash Card has an introductory zero percent balance transfer APR for 18 months. After the promotional period, the balance transfer APR is 14.49 to 24.49 percent. There’s no annual fee.
The new Uber Visa Card, issued by Barclays, is a great choice for people who spend a lot on dining. The card pays four percent back on dining, including Uber Eats; three percent back on hotel and airfare; two percent back online purchases, including Uber; and one percent back on everything else.
New cardholders earn a $100 bonus after spending $500 on purchases within the first 90 days. You can redeem the bonus for an Uber credit, a statement credit or gift cards. You can earn unlimited rewards and your rewards never expire. Just make sure you keep your account open and in good standing.
Spend $5,000 or more on your credit card in a year and you’ll get a $50 credit for online services. You can use the credit for streaming music or video subscriptions.
Hate paying for cell phone insurance? Pay your cell phone bill with your credit card and receive $600 for mobile phone damage or theft.
There’s no limit to the rewards you can earn and they don’t expire as long as you keep your account in good standing. Points can be transferred or sold.
Important Pricing: The Uber Cash Rewards Visa doesn’t feature any promotional APRs for purchases or balance transfers. There’s no annual fee and no foreign currency fee.
The 6 Best Money-Back Credit Cards to Apply for in 2018
Get rewarded for your spending
Money back credit cards are one of the best types of rewards credit cards. Cash is universal. The credit cards on this list all pay money back rewards on credit card purchases. Some have great signup bonuses, too. Others have great perks on top of the cash back. Need some help deciphering? Check out the list of the best cash back rewards credit cards and choose the best one for you.