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10 Best Cash Back Credit Cards – Get Cash Back On All Purchases‎ – Find the Right Credit Card for You

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Choosing a credit card that suits your needs can be easier than you may think because there are so many cards available. The ones that may benefit you the most, though, are the get cash back credit cards. The cash back cards that you find have many layers that you must dig through before you make a decision about which card to use.

You could use these cards to repair your credit in some cases, and there are other instances in which you could use these cards to save for the future. You must learn what to look out for when using these cards, and you could ask, “is there a limit to how much cash back you can earn?” You must also wonder things like, “could using these cards damage or improve my credit score?” You can solve all these problems with the information below.

Which Cards Should You Try? 

The cards will cover a lot of different categories, and they all have different tiers of approval rates and rewards. You will notice that these cards offer cash rewards, extra rewards, and statement balance rewards. You can move outside this list if you want, but you will get the best rewards when you start here.

  • Capitol One Savor
  • BofA Cash Rewards
  • American Express Blue
  • Citi Double Blue Cash
  • HSBC Cash Rewards
  • Wells Fargo Cash Wise
  • Chase Freedom
  • Chase Freedom Unlimited
  • Discover It
  • US Bank Cash Plus

You see a large spread of cards from many different companies. You should choose the companies that you believe will give you the best customer service, and you must also look at the reviews that these companies have. The companies that have done the best work have good reviews, and you could look into their credit scores. These companies will not pass on their costs to you if they have a good credit score, and you should check their online reviews. After you have done all that, you can take a look at what the customers out there are doing with these cards. They usually write down things that give a better explanation of how the card works.

Is There A Limit To How Much Cash Back You Can Earn? 

You are probably ready to ask, “is there a limit to how much cash back you can earn,” but you must also know what kind of rewards you will get. You need to know if you are sent a check for these rewards, if they can be sent to your statement balance, or if you believe it would be wise to apply those rewards to gift cards and other prizes that the company offers. You must also ask the company if they have an expiration date on their rewards.

What To Look Out For When Using These Cards 

You must know what to look out for when using these cards because they are all slightly different. Some cards will give you an incredible cash back reward, but you only have so much time to use them. Other rewards can be doubled if you shop at certain places, and others allow you to apply your rewards to certain prizes that the company has come up with. You must know that the company has a good rewards policy, that they do not take away those rewards, and that the rewards can be used in any way you want.

Could Using These Cards Damage Or Improve My Credit Score? Image result for credit cards improve credit scores illustrations

Could using these cards damage or improve my credit score, is an important question for you to ask. However, you need to use cards that you believe will be easy to pay off. These are middle and upper tier cards that you will step up to when you started with a much lower or smaller card to repair your credit. You should use these cards when you want to save for something that you make a big purchase. You should see if the company offers extra rewards that will help you make the purchase as inexpensive as possible. You want to enjoy your rewards, but you cannot do that if you used a card that will not give you the sort of rewards that you need.

How Do You Get Customer Service 

You must find a company that can give you better customer service, and you should see if they offer email contact pages, a phone number, and a live chat window. The live chat window is one of the things that you will enjoy using because you can get quick answers without spending so much time on the phone. You can ask questions about your account, and you could even make your payment over this line. You must see if there is a way for you to get the care you need when you are trying to manage your money, and the only way to do that is to know that you can reach the company.

Concierge Service 

Concierge service is one of those things that you get when you use the card to gain access to events and products that you could not buy any other way. Someone who has planned to use the concierge service can call at any time, and they will ask the company to help them with things like buying concert tickets or converting their rewards into something that they can use for a big event or purchase. This is a major part of your card, and you should pick a company that is always ready to go the extra mile for you.

Discover It Cashback Match

  • No fee
  • Discover It Cashback Match offers a promotion for new customers that will match all the cash you earned through the end of the first year, so your cash doubles!
  • Get 5% cash back at Amazon.com and Target through December 2017 on up to $1500, when activated.

Chase FreedomImage result for Chase Freedom

  • No fee
  • New card member offer – $150 bonus after you spend $500 on purchases in your first three months
  • Automatically earn a cashback of 1.5% on every purchase with Chase Freedom.
  • APR 0% introductory for fifteen months from when you opened the account, then the are 15.99%-24.74% variable.

Citi Double Cash CardImage result for Citi Double Cash Card

  • No Fee
  • You get cash back twice at 1% on your purchases, then 1% when you pay for your purchases and no caps on the total cash earned with your Citi Double Cash Card.
  • APR is 0% introductory rate for eighteen months, then a variable rate of 14.49% -24.49%.

Blue Cash Preferred Card from American ExpressImage result for Blue Cash Preferred Card from American Express

  • Annual fee – $95
  • Earn $200 back in the form of a statement credit after spending $1,000 in your first three months on purchases on your Blue Cash Preferred Card from American Express.
  • Earn 6% at U.S. supermarkets up to $6,000 per year, then it drops to 1%.
  • Earn 3% at U.S. gas stations and various U.S. department stores.
  • Earn 1% on all other purchases.
  • APR 0% introductory rate for twelve months, then variable rates of 13.99%-24.99%.

Chase Freedom UnlimitedImage result for Chase Freedom Unlimited

  • No annual fee
  • Get cash back of 1.5% automatically on every purchase.
  • Earn $150 bonus after spending $500 on purchases in your first three months from when you opened the account.
  • APR 0% for fifteen months, then a variable rate of 15.99%-24.74%.

Wells Fargo Cash Wise Visa CardImage result for Wells Fargo Cash Wise Visa Card

  • No annual fee
  • Get 1.5% and $200 bonus when you spend $1,000 on purchases in your first three months.
  • APR 0% introductory offer for fifteen months, then variable of 13.99%-25.99%.

Barclaycard Cash Forward World MastercardImage result for Barclaycard CashForward World Mastercard

  • No annual fee
  • Get 1.5% on all purchases and $200 bonus when you spend $1,000 in the first ninety days.
  • APR 0% for fifteen months, then variable of 15.99%-25.99%.

Bank of America Cash Rewards Credit CardImage result for Bank of America Cash Rewards Credit Card

  • No annual fee
  • Get 2% at wholesale clubs and grocery stores and $150 online cash rewards bonus offer, after you spend $500 in the first ninety days. In addition, get 3% on gas.
  • APR 0% introductory for twelve months, then variable of 13.99%-23.99%.

Wells Fargo Propel American Express CardImage result for Wells Fargo Propel American Express Card

  • No annual fee
  • After spending $1K in the first three months, earn 20,000 bonus points (redeemable for $200 cash back). Get cash back by earning 3x on gas, 2x at restaurants and 1x on all other purchases.
  • APR is 0% for twelve months, then a variable of 13.99%-25.99%.

Susan G. Komen Credit CardImage result for Susan G. Komen Credit Card

  • No annual fee
  • Get 3% cash on gas, 2% at wholesale clubs and grocery stores and 1% on all other purchases and $150 online purchase after spending $500 in the first ninety days.
  • APR 0% for twelve months, then variable of 13.99%-23.99%.

Conclusion 

The cards that you have chosen because their rewards can do more than give you rewards. The cards will give you cash back that you can use for a variety of things. You must choose a card that has good customer service, and you will find that the cards are easier to manage because the company is set up to help you succeed. You might make your credit score better, and you will save money on purchases that must be made for the betterment of your family.