May 28 2014
Cashback Cards – A Review

If you are looking for a cashback credit , debit, or other reward card with the best rewards or incentive programs there are a number of options.

A Cash Back Credit Card rewards you for using them with cash back incentives and rebate programs.They usually  require a good to excellent credit rating for approval.

 Here are a few of the best and most used cards….
Capital One® Quicksilver® Cash Rewards Credit Card
   Capital One Quicksilver Cash Rewards Credit Card Application

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn’t expire
  • 0% intro APR on purchases and balance transfers until March 2015
  • No annual fee
  • Credit needed – Excellent/Good
Chase Freedom®
chase-freedom
  • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe’s® home improvement stores
  • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It’s free and easy to activate your bonus card each quarter.    Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
  • Credit required-Excellent/Good

 

BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards Credit Card Application
  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an ongoing 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% – 22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire.
  • Credit needed- Excellent
Citi® Dividend Platinum Select® Visa® Card
Citi® Dividend Platinum Select® Visa® Card
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Credit needed- Excellent
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
  • Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • A credit card that gives you cash back with a 0% Intro APR Offer on purchases and balance transfers for 15 months.
  • After that, your APR will be a variable rate, currently 12.99%-21.99% based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  •  Credit needed-Excellent
Discover it®

Discover it Application
  • 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 at Home Improvement Stores & More on up to $1,500 in purchases from April through June 2014 when you sign up. And 1% cash back on all other purchases.*
  • Human. 100% U.S.-based customer service available any time.
  • Looks out for you-since each Discover purchase is monitored. If it’s unusual, you’re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • Plus, free FICO® Credit Score online and on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% – 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% – 22.99%.
  • Credit needed -Excellent
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   Present your Cashback Card at the cash register of the Lyoness loyalty merchant before paying for your purchases. The Lyoness Cashback Card is not legal tender. It merely serves to record your purchase and calculate the Cashback amount resulting from that purchase.
The Cashback for your purchase has been registered and can be viewed at www.lyoness.net under the menu item “My Purchases/ Pending Purchases”. Cashback will be tranferred into your Cash Account immediately.
You can quickly find the Cashback Card loyalty merchant of your choice by running a loyalty merchant search on the website. Before running the search, simply activate the “Cashback Card” checkbox.The selection when shopping is easy, too. The Lyoness loyalty merchants are clearly marked as such on a sticker in the entrance or check-out area.

Hope this is helpful in determining which card is best for you..

 

 

 

 

 

 


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About Bill Kirmes

As a physician whose been in practice for over 30 years as a self employed doctor he sees patients with both acute and chronic musculo-skeletal problems. He enjoys gardening and riding a Harley and he's President of his local Kiwanis club. He's involved in internet marketing as a transition from medicine.

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