Sunday, February 05, 2012

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Cash Back Credit Card Basics

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Cash Back Credit Cards

Best Cash Back Credit Cards Cash back credit cards are an amazingly simple way that you can lower your costs for the ordinary day-to-day items you purchase. Rebates of 1% to 5% of amounts charged to the credit card for groceries, gas, pharmacy, and entertainment are common. Some credit cards add your rebates directly to your credit card account at the end of each month. Other credit card agreements require you to request the rebate and then they send you a check. A great strategy is to purchase all of your day-to-day items with your cash back credit card and pay off the balance in full each month. Instead of paying cash at the register use your card. Then at the end of the month use your cash to pay off your credit card balance. This strategy allows you to reap the cash back rewards and not pay any interest charges as long as you pay off your balance before the grace period ends.

Cash back credit cards make a lot of sense for someone who routinely pays off their balance at the end of each month. Do remember however, credit card interest can quickly negate any cash back rewards so consider your personal situation when deciding which credit card is right for you. Typically, larger purchases that will require several months to pay off are better charged to a low APR card to reduce interest charges.

We offer some very attractive cash back credit cards. Many offer up to 5% cash back as well as low APR and 0% balance transfers, and no annual fees.

Discover® Open Road® Card- $150 Restaurant.com Gift Certificate

Discover® Open Road® Card- $150 Restaurant.com Gift Certificate Top Rewards Credit Cards
  • 0% intro APR on purchases and balance transfers for 12 months, then the variable purchase APR of 10.99% - 20.99%*
  • 2% automatically at gas stations and restaurants all year long*
  • *Click apply to view rates, fees, rewards, limitations and other important information
   Cash Back

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 12 months 11.99-20.99% (V)* $0 Excellent

Discover® More® Card

Discover® More® Card Top Rewards Credit Cards
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • *Click apply to view rates, fees, rewards, limitations and other important information
   Cash Back
Balance Transfers
Low APR

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 15 months 10.99-20.99% (V)* $0 Excellent

Discover® Motivasm Card

Discover® Motiva<sup style='font-size: 80%;'>sm</sup> Card Top Rewards Credit Cards
  • 0% into APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%
  • Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
  • *Click apply to view rates, fees, rewards, limitations and other important information
   Cash Back
Balance Transfers

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 15 months 10.99-20.99% (V)* $0 Excellent

Discover® More® Card - 18 Month Promotional Balance Transfer

Discover® More® Card - 18 Month Promotional Balance Transfer Top Rewards Credit Cards
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • *Click apply to view rates, fees, rewards, limitations and other important information
   Cash Back
Balance Transfers
Low APR

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 6 months 10.99-20.99% (V)* $0 Excellent

Discover® More® Card - $0 Balance Transfer Fee!

Discover® More® Card - $0 Balance Transfer Fee! Top Rewards Credit Cards
  • 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • *Click apply to view rates, fees, rewards, limitations and other important information
   Cash Back
Balance Transfers
Low APR

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 12 months 10.99-20.99% (V)* $0 Excellent

IBERIABANK Visa® Gold

IBERIABANK Visa® Gold Top Rewards Credit Cards
  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Earn 1% in cash back credit on all qualifying purchases.
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
   Cash Back
Balance Transfers
Low APR

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
N/A N/A 9.25-15.25% Variable $0 Excellent

American Express® Prepaid Card

American Express® Prepaid Card Top Rewards Credit Cards
  • The benefits of Cardmembership start here!
  • No Monthly, Annual or Purchase Fees
  • No Overdraft, Inactivity or Foreign Exchange Fees
  • No Credit Check
   Cash Back
PrePaid

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
N/A N/A N/A $0 Any Credit Level is OK

Discover® Mix Tape Student Card

Discover® Mix Tape Student Card Top Rewards Credit Cards
  • 5% Cashback Bonus® in categories that change like department stores, gas, groceries, restaurants, and more.
  • Up to 1% unlimited Cashback Bonus® on everything else you buy
  • No Annual Fee
   Cash Back
Student

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 9 months 13.99-20.99% $0 Very Good or Excellent or Good

Discover® Student Card - Monogram Collection

Discover® Student Card - Monogram Collection Top Rewards Credit Cards
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • No Annual Fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
   Cash Back
Student

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 9 months 13.99-20.99% (V) $0 Very Good or Excellent or Good

Discover® Student Card

Discover® Student Card Top Rewards Credit Cards
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • No Annual Fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
   Cash Back
Student

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 9 months 13.99-20.99% (V) $0 Very Good or Excellent or Good

Discover® Student Card - Clear

Discover® Student Card - Clear Top Rewards Credit Cards
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • No Annual Fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
   Cash Back
Student

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 9 months 13.99-20.99% $0 Very Good or Excellent or Good

Discover® Student Card - Tropical Beach

Discover® Student Card - Tropical Beach Top Rewards Credit Cards
  • 5% Cashback Bonus® in categories that change like department stores, gas, groceries, restaurants, and more.
  • Up to 1% unlimited Cashback Bonus® on everything else you buy
  • No Annual Fee
   Cash Back
Student

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 9 months 13.99-20.99% $0 Very Good or Excellent or Good

Discover® Student Open Road®

Discover® Student Open Road® Top Rewards Credit Cards
  • Double Cashback Bonus® at any gas station and any restaurant.
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
   Cash Back
Student

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% For 9 Months 13.99-20.99% (V) $0 Very Good or Excellent or Good

Discover® Student Card with $25 Cash Back Bonus

Discover® Student Card with $25 Cash Back Bonus Top Rewards Credit Cards
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • *Click apply to view rates, fees, rewards, limitations and other important information
   Cash Back
Student

Intro Apr Intro Apr Period Ongoing APR Annual Fee Credit Needed
0% 6 months 13.99-20.99% (V) $0 Very Good or Excellent or Good

Choosing a Cash Back Credit Card



Typical cash back credit cards focus their highest rebates of 3% to 5% on certain types of consumer purchases such pharmacies/drug stores, grocery stores, convenience stores/gas stations, and 1% on all purchases made elsewhere. These typical offers are well suited for most families who spend a large portion of their disposable income to meet daily needs. There are also plenty cash back credit cards that focus their highest rebates on entertainment and restaurant purchases. These tend to appeal to younger people and college students. To maximize your cash back rewards consider where your disposable income goes each month before choosing your card. When evaluating cash back credit cards do understand how your rebates will be redeemed, annual cash back earnings limits, and rebate percentage for various consumer spending venues.

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