Best Credit Card

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Best Cash Back Credit Card Offer

Posted on July 6th, 2012 | admin

Best Cash Back Credit Card Offer

Because there is no better reward than cash in your wallet, most people find the best credit card offers are those that offer cash back incentives. The reason cash back credit cards are one of the most popular rewards choice by consumers is you get to use the cash rewards for whatever you want, you can use your cash rewards to pay down your credit card balance, buy groceries or use the cash rewards for entertainment and travel, the choice is yours!

The best reward a credit card can offer for most people is receiving cash, after all you can use cash rewards for anything you want to buy so our top pick in the category of a cash back credit card is the Discover IT®  card Up to 20% Cashback Bonus at popular retailers when you shop online through, check this offer out if you’ve got excellent credit.

Best Cash Back Credit Card

Discover  It® Card

Here’s what the Discover It® Card is offering as reward perks to put more cash in your wallet:

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won’t raise your APR.*
  • Generous. 5% cash back on up to $1,500 in Restaurant and Movie purchases from January through March 2014 with free and easy sign-up. And 1% cash back on all other purchases.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you’re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. A fee of 3% applies for each balance transferred.
  • *Click “Apply” to see rates, rewards, and free FICO® Credit Score terms and other information.
*Click Apply to view rates, fees, rewards, limitations and other important information
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Travel Rewards Credit Card

Posted on July 6th, 2012 | admin

When you apply for a rewards credit card you need to watch out for costs on the card that could offset the travel rewards you earn, costs such as interest rates could make the rewards earned pointless so that’s why we recommend the Simmons First Visa Platinum rewards card. This card has everyday low interest rates and an excellent travel rewards program – Apply today!

Simmons First Visa® Platinum Rewards

Credit Required: Excellent

  • Excellent Credit Required – Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards – cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee
*Click Apply to view rates, fees, rewards, limitations and other important information
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The Best Cash Back Credit Cards

Posted on September 30th, 2011 | admin

Getting Paid for Spending Money: Cash Back Rewards


Best Cash Back Credit Card

Credit cards have become an everyday part of our lives and our financial planning.  Sometimes we want the extra cash flow, sometimes it is for convenience and easy accounting at month’s end, and you can’t use cash to buy things online. Advertising for credit cards has come a long way too.  You can’t watch an hour of television without seeing a credit card commercial, and your favorite magazines are probably full of offers as well.

How do we choose which cards to apply for?  Catchy advertisements may help, but the primary selling tool in recent years is the assortment of rewards associated with using a particular card.  The big selling point years ago was in trying to qualify for higher and higher spending limits, all the way up to unlimited.  Now it is more about frequent flyer miles, low APR, and our favorite, cash back.

Cash back rewards are our favorite because of the simplicity.  With some cards, like Simply Cash from American Express, there’s no effort at all.  The reward amount is deducted from your next statement.  Other cards offer varying percentages of cash back on either a set slate of categories like airfares or hotel stays, and still others have a program that changes the percentages and the categories each quarter of the year.

Payment of rewards may vary according to threshold amounts and frequency (one cash back card associated with Costco pays off only once per year).  The biggest challenge is to identify which type of cash back rewards you prefer.

Most surveys are ranking the Chase Freedom Visa highly right now, with 5% off on up to $1500 spent with the rotating-categories model, and unlimited 1% cash back on everything else.  With solid initial rewards ($200 cash back after spending $500) and no annual fee, this is a crowd pleaser.

Also consider the Discover card.  This was the card that made cash back rewards popular in the first place, and they still hold a prime place in this industry.  The card is currently offering 5% cash back after you’ve spent $3000 (using a quarterly rotation of categories), plus 1% overall on other purchases, and 5 – 20% discounts when shopping online with preferred retailers.  With the amount of e-commerce that most Americans conduct everyday, this can really add up!

For small business owners, Simply Cash from American Express OPEN is a great card, offering 5% cash back rewards on things you have to buy anyway for your business, like wireless service and office supplies.  They offer 3% cash back on gasoline purchases, and there is no annual fee.  It is hard to find a better card for business use, and it carries the outstanding travel protection features that American Express cards have always been renowned for.  You can also save up to 10% with FedEx and Hertz.  Personal credit card users looking for similar advantages can check out Blue Cash Everyday from American Express, offering cash back on supermarket purchases, department store purchases, gasoline, and more.

Cash back rewards cards are here to stay. Which one will you carry?

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