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CASH BACK CREDIT CARDS

Who doesn’t prefer cash back whether it is in the form of physical cash or shopping discounts.Cash Back Credit Cards can help you get reward points for various activities like shopping, groceries etc. Basically wherever a credit card it used.Many people prefer cash back rewards to other credit card perks such as frequent flyer miles. Cash has the advantage of being simple to understand and universally accepted.

Unlike points and miles, cash can earn interest when unused and are not subject to the constantly changing terms and conditions of corporate loyalty programs.Cash back credit cards are popular because they provide tangible, easy-to-understand benefits. Who doesn’t like getting a credit on their monthly credit card statement or, better yet, actual cash deposited into the account of their choice? The best cash back credit cards can help you earn money for purchases you make every day.

If you aren’t earning much interest on your savings, they offer an easy way to earn some cash back on your spending. And with an average interest rates for savings accounts sitting at a pitiful 0.06 percent, it’s no wonder people are so enthusiastic about their favorite rewards cards. With cash back cards, you earn a certain percentage of cash back on all purchases you make with the card.

And if you’re able to pay your card off and avoid interest, this is “complimentary money” and yours for the taking. Depending on your card, you can have your balance issued to you via check, deposited in a linked savings account, or use it to purchase gift cards or other items.There are a number of enticing rewards and cashback cards available to reliable borrowers. But these deals do come with catches.

Here are some of the best cash back credit cards to choose from –

1. Barclaycard CashForward World MasterCard

With newer cards like the Barclaycard CashForward World MasterCard offering a flat 1.5 percent back on all of your purchases, it’s smart to at least consider this option. While 5 percent in certain categories is nice, cards that offer this perk dole out just 1 percent back on your regular purchases. In that respect, a card that offers a flat 1.5 percent back on all of your spending might help you earn more cash back over time.

2.BankAmericard Cash Rewards Credit Card

The BankAmericard Cash Rewards Credit Card offers 2 percent back at grocery stores, 3 percent back on gas, and 1 percent on other purchases. Grocery store and gas bonus rewards apply to the first 1500 dollars in combined purchases in these categories each quarter. Bank of America customers get an extra 10 percent bonus when redeeming rewards directly into a Bank of America checking or savings account, instead of a statement credit. There is no annual fee.

3. Discover it Cashback Match with No annual fee

With the Discover it Cashback Match with No annual fee, you earn 5 percent cash back in categories that change each quarter up to 1500 dollars per quarter when you activate, plus 1 percent cash back on all other purchases. As an exclusive offer to new cardmembers, Discover will match all the cash back you’ve earned at the end of your first year automatically.

Besides being a great cash rewards credit card, it offers complimentary monthly FICO credit scores on statements and online. There is no annual fee. As a sign-up bonus, you can get 0 percent intro APR for 12 months on purchases and balance transfers. Then a variable purchase APR applies, currently 11.24 – 23.24 percent. A 3 percent fee applies to each transferred balance.

4. Capital One Quicksilver Cash Rewards Credit Card

Don’t want to bother with rotating quarterly categories? The Capital One Quicksilver Cash Rewards Card will get you unlimited 1.5 percent cash back on all purchases. There is no limit to the amount of cash you can earn, and no minimums to redeem the cash back. The cash back doesn’t expire, either! You can get cash back in the form of an account credit, check, or gift card.

There is no annual fee.There is currently a one-time bonus offer of 100 dollars cash after you spend 500 dollars on purchases within the first 3 months. There is also a 0 percent intro APR on purchases and balance transfers until February 2017. After the promotional period, there is a 13.24-23.24 percent variable APR; a 3 percent fee applies to each balance transferred.

5. Chase Freedom

The Chase Freedom is likely the most popular cash back credit card available today. It offers rotating quarterly cash back categories so you can take advantage of new ways to earn rewards throughout the year. This is also the most versatile cash back card because rewards are easy to redeem, it’s widely accepted, and there are new 5 percent cash back categories every three months like gas stations, restaurants, select grocery stores, and wholesale clubs. You get 5 percent cash back on up to 1,500 dollars in combined purchases.

In addition to all these benefits, you’ll receive exceptional fraud monitoring from Chase. Chase customer service is known to be very dependable, and they were accommodating when I asked for a credit-limit increase when I needed to make some big purchases after moving across the country. For a long introductory balance transfer APR paired with generous cash back, this card is hard to beat. So choose a credit card which suits your needs and start saving Today!