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Credit
cards offering cash rebates on every purchase. Ranked by percentage
of cash back per purchase. (NOTE: Credit card rates change fairly
regularly -- check the terms and conditions of each card to
be sure the interest rates shown here are accurate.)
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Discover®
More(SM) Card (formerly Discover Platinum) -
Cash
Back Offer: Earn a full 5% Cashback BonusŪ in categories
that change like travel, home improvement stores, department
stores, gas, groceries, restaurants and many more; earn
up to a 1% Cashback Bonus on all other purchases. Ongoing
APR: As low as 10.99%, as high as 18.99% variable rate*.
Introductory APR: 0% for first 6 months. Balance
Transfer Rate: 0% for 6 months. Annual Fee: None.
(click
for all terms and conditions.)
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True
Earnings® Card from Costco and American Express
-
Cash Back Offer: Costco credit card allows you to
earn 3% cash back on gas and restaurant purchases, 2% on
travel purchases and 1% cash back everywhere else. Get a
$25 statement credit after first card purchase. Ongoing
APR: 13.24% variable rate*. Introductory APR:
0% for first 3 months. Balance Transfer Rate: 1.99%
for 6 months on balances transferred within 30 days. Annual
Fee: None for Costco members.
(click
for all terms and conditions.)
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Discover®
Open Road(SM) Card (formerly Discover Gas Card)
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Cash Back Offer: Earn a full 5% Cashback Bonus®
on your first $100 in gas and auto maintenance purchases
each month, and up to 1% Cashback on all other purchases.
Ongoing APR: As low as 10.99%, as high as 18.99%
variable rate*. Introductory APR: 0% for first 6
months. Balance Transfer Rate: 0% for first 6 months,
then same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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Discover®
Motiva Card -
Cash Back Offer: Earn up to 1% Cashback Bonus on
all purchases, plus get one month's interest refunded back
to you every time you make on-time payments for six straight
months. Ongoing APR: As low as 10.99%, as high
as 18.99% variable rate*. Introductory APR: 3.99%
for first 6 months. Balance Transfer Rate: 3.99%
for 12 months, then same as standard rate. Annual Fee:
None.
(click
for all terms and conditions.)
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American
DreamCard MasterCard -
Cash Back Offer: Not direct cash back BUT each
dollar spent with card equals one entry in American DreamCard's
monthly drawing, in which one person wins at least $25,000
or more depending on amount of charges by all entrants during
the period. Ongoing APR: 14.99% or 21.99% variable
rate*. Introductory APR: Same as standard rate. Balance
Transfer Rate: Same as standard rate. Annual Fee:
$0, $39, or $59.
(click
for all terms and conditions.)
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AARP
Rewards Platinum Visa Credit Card -
Cash Back Offer: Earn a full 1% cash back on purchases,
redeem for cash or gift certificates. Ongoing APR:
9.24%, or 13.24%, or 18.24% variable rate*. Introductory
APR: 0% for first 6 billing cycles. Balance Transfer
Rate: 0% for 6 billing cycles. Annual Fee: None.
(click
for all terms and conditions.)
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Children's
Wish Foundation Cash Rewards Visa Platinum -
Cash Back Offer: Earn 1% cash back on all purchases.
Ongoing APR: As low as 9.24%, as high as 18.24% variable
rate*. Introductory APR: 0% for first 6 billing cycles.
Balance Transfer Rate: 0% for first 6 billing cycles,
then same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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Citi
CashReturns Card -
Cash Back Offer: Earn a full 1% cash back on all
purchases. Ongoing APR: 9.99% or 13.99% or 17.99%
variable rate*. Introductory APR: Same as ongoing.
Balance Transfer Rate: 0% for up to 12 months, then
same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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Dollar
Bank Valued Customer Visa -
Cash Back Offer: Earn a full 1.25% cash back on
all purchases. Ongoing APR: 10.24% variable rate*.
Introductory APR: 0% for 6 months. Balance Transfer
Rate: 0% for 6 months. Annual Fee: None.
(click
for all terms and conditions.)
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EmigrantDirect
Platinum MasterCard
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Cash Back Offer: Earn cash back that goes into your
EmigrantDirect savings account. Earn either 1.40% cash back
(if you keep $10,000 or more in your savings account) or
0.5% cash back (for any balance below $10,000). Ongoing
APR: 12.99%, or 15.99%, or 19.99% variable rate*. Introductory
APR: Same as ongoing. Balance Transfer Rate:
0% for first 6 billing cycles, then same as ongoing. Annual
Fee: None.
(click
for all terms and conditions.)
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optionsXpress
Platinum Visa
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Cash Back Offer: Earn points equivalent to 1% cash
back; with each 1500 points a $15 rebate is deposited into
your optionsXpress investment account. Ongoing APR:
7.24%, or 11.24%, or 18.24% variable rate*. Introductory
APR: 0% for 12 months. Balance Transfer Rate:
0% for first 12 billing cycles, then same as ongoing. Annual
Fee: None.
(click
for all terms and conditions.)
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Smith
Barney Platinum Select MasterCard -
Cash Back Offer: Earn 1% cash back; rebate is deposited
into your Smith Barney brokerage account each December.
Ongoing APR: 9.24% variable rate*. Introductory
APR: 0% for 6 months. Balance Transfer Rate:
0% for first 6 billing cycles, then same as ongoing. Annual
Fee: None.
(click
for all terms and conditions.)
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US
Bank Cash Rewards Visa Platinum Card -
Cash Back Offer: Earn 1% cash back on all purchases.
Ongoing APR: As low as 7.24%, as high as 20.24% variable
rate*. Introductory APR: 0% for first 6 billing cycles.
Balance Transfer Rate: 0% for first 6 billing cycles,
then same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
- Wells
Fargo Cash Back Platinum Credit Card -
Cash
Back Offer: Earn up to 1% cash back on all purchases.
Ongoing APR: As low as 10.65%, as high as 21.65% variable
rate*. Introductory APR: 0% to 5.9% for first 6 or
9 billing cycles. Balance Transfer Rate: 0% to 5.9%
for first 6 or 9 billing cycles, then same as ongoing. Annual
Fee: None.
(click
for all terms and conditions.)
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*
variable rate = credit card interest rate changes in line
with federal interest rates or other rate index; fixed
rate = credit card rate stays the same regardless of changes
in federal rates, but still may be changed by credit card
issuer in the future.
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