Nobody wants to pay an annual fee — and most cash-back cards don’t have one — but sometimes it can work out better. Capital One SavorOne Cash Rewards Credit Card. If there's an annual fee, make sure you’re getting more than that in cash back. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. If you have a side business that incurs expenses — be it freelance work, deliveries, rideshare driving or something else — it makes sense to have a dedicated small-business card for it to keep business and personal spending separate. Read our review. Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Each merchant has a set amount of time to allow for reversals and updates to an order, and to pay us so we can pay you. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. If you have a balance in your FatWallet account, you have the choice to either convert the balance amount into cash or to transfer the balance over onto your Ebates account. by: Lisa Gerstner. Pre-qualified offers are not binding. Often, it counts everything you buy in the associated convenience store, too, although a few cards count only gas paid for at the pump. In past years, those categories have included common spending areas like grocery stores, restaurants, gas stations and Amazon.com. Read our review. FatWallet also provides a $5 incentive for signing up and works similarly to Ebates. You can find plenty of choices with no annual fee or reasonable fees if you want superior cash-back rewards. Category activation can be a hassle, but if your spending matches the categories — and for a lot of people, it will — you can rack up hundreds of dollars a year. The owner of this site is not an investment advisor, financial planner, nor legal or tax professional and articles here are of an opinion and general nature and should not be relied upon for individual circumstances. It offers the highest ongoing rewards rate of any flat-rate cash-back card, but it also charges an annual fee, and it limits the amount of spending that earns rewards. With most cash-back cards, you can see your accumulated earnings on your monthly statement or through your online account portal, and you can decide when and how to redeem your cash back. The sign-up bonus is outstanding for a cash-back card, particularly one with no annual fee, and there's an introductory 0% APR period for purchases. I wish the FW team and community all the best! You’ll also have to be a member of Alliant Credit Union to qualify. - No Bulky hard cases that only hold a few cards and have to be carried in addition to your wallet. Our pick for: Flat-rate cash back — high rewards for bigger spenders. Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Our pick for: Customizable cash back — 3% categories you can adjust monthly. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. is nice to get — if your regular spending will be enough to earn it. You can often buy a gift card for a restaurant or retailer at the supermarket, and it counts as a supermarket purchase. (The 3% options are gas, dining, travel, online shopping, drugstores or home improvement and furnishings; you can change your choice once a month.). is for you. That’s because, cards with annual fees often have more lucrative rewards. If groceries are a major line item in your budget, you may be better off with a card that offers high ongoing rewards at the supermarket, rather than just in the first year. You may not request Cash Back as your FatWallet account balance is $0.00. But the rewards do ultimately leave you with more cash in your pocket. There's a fantastic bonus offer for new cardholders and a 0% intro APR period, too. Read our review. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. Cash is king for flexibility. Doutop Credit Card Holder Card Wallet RFID Blocking Brushed Stainless Steel Bank ID Card Holder Case Box Pocket Purse for Men Women 4.4 out of 5 stars 180 £5.99 £ 5 . You might get more cash back for certain types of spending — at restaurants or gas stations, for example. Other bonus categories you might see include entertainment, drugstores, home improvement stores, wholesale clubs and mobile wallet purchases. The Bank of America® Cash Rewards credit card combines a rich offer for new cardholders (see the product details tab) with a semi-customizable rewards structure that lets you choose which purchases will earn the highest cash-back rate. Especially since I earned enough for an iPhone X and Apple Watch 3. Capital One Quicksilver Cash Rewards Credit Card. Notify me of follow-up comments by email. After the first year, if you spend more than $9,900 a year, it's a better deal than a 1.5% card with no annual fee; spend more than $19,800, and it's better than a no-fee 2% card. If you carry a balance from month to month, the interest can quickly gobble up more than you're earning in cash back. Read our review. FatWallet is one of the places that really got me interested in bank account bonuses and more specifically collating data points regarding direct deposits. And others might allow you to transfer cash-back points to another card program where strategic use might yield better value. . The rewards it pays in those categories — particularly at U.S. supermarkets and on select streaming services — are among the richest of any card. A. found in many cases, a consumer could get more value by using a cash-back card and using the cash rewards to pay for travel expenses. gets best-in-class marks for pure value and simplicity: 2% cash back on every purchase — 1% when you make it and 1% when you pay it off. Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases. Enjoy new 5% categories each quarter! Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. (You typically have to spend $500 to $1,000 in the first few months.) You earn unlimited 1.5% cash back on every purchase, and you can redeem your cash back in any amount, with no minimum. Plus, get a decent bonus offer and an introductory 0% APR period. You get 1.5% cash back on all eligible purchases, and new cardholders can qualify for a solid bonus: The introductory 0% APR period on purchases is terrific, too. Some cards have a threshold amount — maybe you need to earn $25 in cash back before you can redeem, for instance. To earn cash back, pay at least the minimum due on time. Terms Apply. The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Often, it counts everything you buy in the associated convenience store, too, although a few cards count only gas paid for at the pump. This site is for entertainment purpose only. The study found that domestic travelers who spend less than $8,600 per year on travel earn more rewards with a cash-back card than a travel rewards card, especially if they hold the card a long time. If you carry a balance, you’re likely to pay more in interest than you earn in cash-back rewards. A while back you suggested arbitraging new 0% intro periods of credit cards by buying dollar coins from USMint.gov. If you forget, you don't get 5%. When evaluating offers, please review the financial institution’s Terms and Conditions. But a dollar in cash back is a buck you can spend anywhere. Cash Back rewards do not expire as long as your account is open. Capital One SavorOne Cash Rewards Credit Card. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months. After that â¦ The site will then take a portion of that rate and pass the rest on to the consumer. Not all card issuers offer shopping portals, but it’s worth checking. Also, cash-back cards are typically the simplest rewards cards: You get a certain amount of cash for every dollar you spend. New cardholders also get 5% back on up to $12,000 in grocery store purchases in the first year (not including Target or Walmart) and can snag this sign-up bonus: Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. In fact, FatWallet was the accuser in the case . The Chase Freedom Flex℠ offers bonus cash back in quarterly categories that you activate, as well as on travel booked through Chase, at restaurants and at drugstores. Plus, earn unlimited 1% cash back on all other purchases – automatically. Terms Apply. Terms apply. So it applies to groceries, cleaning supplies, toiletries, prepared meals and anything else bought at the supermarket. Everyone's spending patterns are different, so the card that earns you the most cash back depends on your individual situation. If you're expecting to put more than $2,500 a month on a credit card, this is an excellent one to put it on. And don't sleep on the sign-up offer: gets a big thumbs-up for offering an extremely competitive 1.5% rewards rate for people still building their credit. Points and miles can have squishy value and limited flexibility when redeeming. The key difference is that this version charges an annual fee while the regular one does not. 1%-5%Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. It’s essentially free money. 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