Maximize Your Rewards
With the holiday shopping season fast approaching, there’s never been a better time to find a new credit card that pays. The credit card rewards listed in this article are the best on the market today and worth your consideration. Most locations across the US accept credit cards and with offers as good as these, it’s time to make the switch from debit to credit.
1. American Express
American Express’ Blue Cash Everyday credit card is ideal for all types of spenders. That’s because they offer cash back on almost every purchase. You’ll earn 3% back on all spending at supermarkets, online retailers and gas stations, while all other spending will earn you 1%.
Alternatively, for those with better credit, their Blue Cash Preferred credit card offers 6% cash back at supermarkets alongside 6% back on select streaming services. There’s also an exclusive-to-this-card 3% cash back offer on train and bus travel.
2. Chase
Chase is offering new customers one of the very best cash-back offers on the market right now - and it’s not to be missed. With Chase’s Freedom Unlimited credit card, new customers will receive a one-time US$200 bonus. There’s no annual fee for using this credit card, which makes the US$200 completely free. All you need to do is spend US$500 in the first three months of opening your account. And that’s not all!
Chase’s Freedom Unlimited credit card users will receive 1.5% cash back on all purchases, except for dining experiences, drug store spending, gas and grocery store spending. For dining and drug stores, you’ll receive 3%. For gas and grocery stores, the cashback is a remarkable 5%.
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That means every time you buy hot dogs, toilet cleaner or sweetcorn, you’ll receive 5% of what you spend back. It’s the equivalent of a 5% discount every time you visit the supermarket or grocery store (except Target and Walmart). The cashback will be activated on up to US$12,000 in the first year.
3. Wells Fargo
With Wells Fargo’s Active Cash credit card, you’ll receive US$200 cash back when you spend US$500 in the first three months of activation. There’s also 2% cash back on spending with no annual fee for using this credit card. That means that for every US$100 you spend, you’ll receive US$2 - which soon stacks up!
Alternatively, their Autograph credit card is offering new customers the chance to earn points - 30,000 points when you spend US$1,500 in the first three months.
4. Discover
Discover’s it credit card is easy to apply for and offers customers a fantastic 5% cash back on spending at select stores. The 5% cash back is available at stores selected by Discover every quarter. They include places like Amazon, restaurants, grocery stores and gas stations. Plus, with no annual fees - what’s not to love?
5. CapitalOne
With big Christmas spending coming up, CapitalOne is offering customers a great holiday credit card with big cash-back rewards. Their Quicksilver range is made up of four different credit cards for those with excellent, good and fair credit respectively.
Their card for those with excellent credit offers the best rate of cashback and includes a bonus of US$200 when you spend US$500 in your first three months alongside 1.5% cash back on every purchase. Their card options for those with fair credit don’t include any one-time cash bonuses but still include the amazing 1.5% cashback offer. These cards are ideal for those who have recently been in credit card debt.
6. Amazon
Did you know that Amazon offers a cash-back credit card? You do now! Only Amazon Prime members are eligible, but those of you who are can benefit from a US$150 Amazon gift card upon being accepted for the credit card. There’s also 3% back on Amazon purchases, 3% back on Chase Travel, 2% back at gas stations, 2% back at restaurants, 2% back on local transit and 1% back on all other purchases anywhere that Visa is accepted.
7. Bank of America
Bank of America has a cash reward credit card worth checking out! Not only will new customers who are accepted receive US$200, but there’s also big cashback to enjoy. Plus, unlike other cash-back credit cards, you can customize it. You’ll get 3% cash back in a category of your choice. Whether you choose gas stations, streaming or phone bills is up to you.
You’ll receive 2% back at grocery stores and 1% on all other purchases as default, but the customizable option for the 3% means you can maximize the money you can make.
8. Citi Double Cash Card
The Citi Double Cash Card is often praised for its simplicity and competitive cash-back rewards. What sets it apart is its straightforward structure, offering cardholders 2% cash back on all purchases—1% when you make a purchase and an additional 1% when you pay your bill, effectively incentivizing timely payments.
This card doesn't have complicated rotating categories or limitations, making it a reliable choice for individuals who prefer a consistent and hassle-free way to earn cash back on their everyday spending. With no annual fee, this card is an excellent option for those looking to maximize their cash-back rewards without the need to juggle multiple credit cards or track spending in specific categories. However, prospective cardholders should be mindful of the APR and any potential fees associated with the card.