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With the above factors in mind, here is how to compare two cash back cards using the Citi Double Cash vs. Find the right credit card for you. Backed by one of the leading credit card networks, this is a great option for students looking to build credit without having to worry about an annual fee. Also, if you spend a fair amount of time shuttling the kids to school and soccer practice, a card like the Bank of America Cash Rewards may be a good option. This card doesn't have the hidden fees that you'll sometimes find with a card that accepts fair or bad credit.

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Our experts evaluated over 3, credit card offers to give you the 17 best credit card offers and deals for August , including the top cash back, balance transfer, rewards credit cards, and more. Read our reviews, compare cards, and even apply online straight from After analyzing + card offers, we've hand-selected the 10 best cash back credit cards. The Chase Freedom Unlimited and Capital One Quicksilver cards offer a % flat-rate cash back on every purchase and are our top picks due to their high rewards value and flexibility in redeeming cash back. This card offers 5% cash back on rotating bonus categories, which in recent years have included gas stations, grocery stores, restaurants and wholesale clubs. A cash-back credit card isn’t.

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Best Cash-Back Credit Cards of 2018 - Editor's Top Picks

This is especially useful if you frequently shop on Ebay and make payment through Paypal. See our Chase Freedom Review for more information. Example spending categories include department stores, gas stations, restaurants, movie theaters, home improvement stores, and Amazon. At the end of your first year as a cardholder, Discover automatically doubles all the cash back you earned over the previous 12 months. You can redeem your cash in any amount as a statement credit, bank account deposit, check, or Amazon purchase credit.

See our Discover it Card Review for more information. Gas Stations and Select U. Cash back comes as a statement credit. Your cash back comes as a statement credit. Capital One Savor Cash Rewards is a no-annual-fee cash back card designed with foodies in mind. The frequent-purchase points bonus is juicier than the non-preferred version of the card, too, if you can manage it: Point values vary depending on how you redeem.

Otherwise, a more traditional cash back card may be in order. Capital One QuicksilverOne is very similar to the Quicksilver card. View Rates and Fees. This card puts you in charge of your sign-up bonus. Instead of a flat amount paid once you spend a certain amount of money, the bonus is based on your spending and is awarded at the end of your first year: The new-cardmember bonus also adds to the appeal — and you may be eligible for an even better offer from American Express.

Because this card is an American Express, you may have trouble using it in some places. Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.

Cash back can be redeemed as a statement credit, a gift card or a check in the mail. This offer also includes a nice sign-up bonus: If you're into maximizing your cash back, you can earn higher reward rates in specific categories with different cards.

The high cash-back rate alone is enough to make this one of the best rewards cards available. Throw in the sign-up bonus and the sheer simplicity of the rewards — no points, no bonus categories to keep track of — and it's close to a must-have. After that, a variable APR currently The unique rewards system on the U.

That makes the effective rewards rate 1. A true cash back card: The card also has no foreign transaction fee, making it a good option for international travel. The annual fee may be a turn-off for many, but this card was specifically designed for bigger spenders. Get access to a higher credit line after making your first 5 monthly payments on time. There are no foreign transaction fees, and Capital One may bump your credit limit up if you make your first five monthly payments on time.

The ongoing APR is high, so you should plan on paying your balance in full each month; otherwise, the interest will wipe out your rewards. The reality is that not everyone has a credit score above The Nerds appreciate that Capital One offers a credit card with an extremely competitive 1.

Cash-back credit cards come in three varieties. This rewards card is a great fit for anyone who already has an eligible Fidelity account or would like to open one.

With many popular perks becoming standard across the field, a strong initial bonus can be a point of differentiation for a particular card. Start the comparison shop with our top choices. Be aware of the spending requirement for each initial bonus. The top dog of initial bonuses also has one of the best flat-rate cash back rewards percentages: Need a more attainable spending requirement or to ditch the annual fee? As always, pay your bill in full and on time every month to avoid costly late fees and interest charges that eat into your profits.

Though plenty of issuers are happy to take a chance on the non-existent credit history of many students, few of those issuers go so far as to offer a signup bonus — except for the Citi ThankYou Preferred Card for College Students. While not a direct cash bonus, Citi ThankYou points can be easily redeemed for cash.

For more than years, merchants have used loyalty and rewards programs to draw in — and keep — customers. Today, just about every business seems to offer some type of rewards program, with credit card issuers leading the pack.

Of course, when it comes to credit card rewards, there is no one-size-fits-all program. Choosing the best card for your personal spending habits, be it category-based or flat-rate, will ensure you can maximize your earning potential. Also check for any redemption bonuses, such as an extra percentage for redeeming into a branded bank account, to really make the most of your cash back.

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Brittney Mayer is a contributing editor for CardRates.