If you are considering applying for a cashback credit card, it's a good idea to do some comparison shopping, as the credit card companies offer many different kinds of cashback programs; fees, benefits and interest rates can all vary, sometimes a great deal. Many offer low or 0% interest introductory rates on balance transfers and/or purchases for periods of up to 12 months. Sometimes it's possible to get a cashback credit card that allows one to accumulate "perks" such as frequent flyer miles and discounts on travel and entertainment expenses. Again, these can vary from one company to another, and even among cards offered by the same company, so it pays to compare.
The Cashback Credit Card
Those with credit scores in the "good" to "excellent" range (generally 700+) can often benefit from using a cashback credit card. These offer additional value on goods and services that you purchase every day.
If you are considering applying for a cashback credit card, it's a good idea to do some comparison shopping, as the credit card companies offer many different kinds of cashback programs; fees, benefits and interest rates can all vary, sometimes a great deal. Many offer low 0% introductory interest on balance transfers and / or purchases for periods up to 12 months. Sometimes it's possible to get a cashback credit card that allows one to accumulate "perks" such as frequent flyer miles and discounts on travel and entertainment expenses. Again, these can vary from one company to another, and even among cards offered by the same company, so it pays to compare.
Chase Free Rewards Visa Card
This cashback credit card offers an introductory 0% interest rate for the first 12 months. Cardholders receive 1,000 Bonus points upon making their first purchase, and an additional point for every dollar they spend; once they have accumulated 2,500, cardholders are eligible to receive $25 back or as gift certificate in that amount from any one of several participating merchants.
Chase Flexible Rewards Platinum Visa Card
Those who do not qualify for the Free Rewards Visa may find this cashback credit card useful. Flexible Rewards offers an introductory 0% APR on balance transfers and purchases for the initial six months; cardholders earn one point for every $1.00 spent, which can be redeemed for a wide range of travel-related expenses that includes airfare, hotel rooms and rental vehicles.
Chase PerfectCard MasterCard
At today's fuel costs, this is perhaps one of the most handy cashback credit cards to have, as cardholders receive a 6% rebate on gasoline purchases made during the initial six month period, and continue to enjoy 3% cash back after that as well as 1% on all other purchases. In addition, cardholders will enjoy a six-month introductory interest rate of 0% on all balance transfers and purchases.
One From American Express
This is literally a cashback credit card with no limits. 1% of eligible purchases is deposited into a high-yield saving account in your name that is backed by the FDIC. There is an annual fee of $35, but this is waived for the first twelve months.
Discover® More Card
The Discover cashback credit card offers the most in terms of rewards. After an introductory 0% APR on balance transfers and purchases for up to 12 months, cardholders can earn unlimited cash rewards and enjoy up to 20% rebates on purchases from selected online merchants.
Susan Slobac is a personal financial advisor. She specializes in working with individuals to improve their credit rating, build assets and maximize the benefits of cash back credit cards.
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