If you havenít taken a moment to scout new credit card offers, the time has arrived. Credit card companies are battling for the largest client base, and as a result, consumers are on the receiving end of very attractive benefits. One of the most popular types of cards on the market today is the cash back reward card. Although the logistics change depending on the financial institution, the result is the same: get cash back on every purchase!
Below are the top four cash back rewards cards; check out the benefits and choose the one thatís right for you. Iíve chosen these particular offers because of the size of the rewards and because of low interest rates.
Chase Cash Plus Rewards Visa Card
This is one of my favorite cards because Chase doesnít bog down the customer with a laundry list of rules and regulations. With some available cards, you have to follow very specific guidelines in order to receive rewards. With the Cash Plus Rewards Visa, all you have to do is use the card, and youíll get cash back.
Every time you use the card at a grocery store, gas station or drug store, you receive 5% cash back. When you use it for other purchases, you get 1% cash back. Then, when you build up a balance, you can either request a check from Chase Bank, or you can request a gift certificate for merchants such as Best Buy, Macyís and Home Depot.
Thereís no annual fee for the Cash Plus Rewards Visa card, and new customers receive a 0% introductory APR for up to twelve months on both balance transfers and purchases.
HSBC Cash Back Rewards MasterCard
I recommend this card for anyone who enjoys security protection and fair, competitive rewards. With the HSBC Cash Back MasterCard, you receive 1% cash back on all purchases, with no spending requirements. They offer a 0% introductory APR for the first twelve months. There is no annual fee, and youíll receive Zero Liability in the event that your card is stolen or used without authorization.
With the Chase card, you received 5% back on some purchases, which is not true of the HSBC card. However, this card comes with unlimited purchase protection, extended warranties, and travel accident insurance.
Citi Dividend Platinum Select Credit Card
This is a card for anyone who wants cash back rewards, but who plans on paying the card off every month. Customers receive 5% cash back on purchases at grocery stores, drug stores and gas stations, and 1% back for all other purchases. Citi offers a 0% APR on balance transfers for the first twelve months, but the regular APR is higher than the other cards being compared here. The cash back rewards are good, but this is not the card on which to carry a balance.
Citi offers the highest in security protection with a Photocard option and a fraud early warning block. They also provide Lost Wallet Protection, which means that if your card is lost or stolen, they will replace it within 24 hours.
Blue Cash from American Express
This is the perfect card for anyone who wants to share the benefits with a family member. Blue Cash offers up to 5% back on all purchases Ė the most at drug stores, grocery stores, gas stations and home improvement stores Ė and you receive the same cash back rewards with additional cards. That means that if your spouse, parent or child has a copy of the card, you earn cash back with their purchases as well.
Blue Cash offers a 0% introductory APR for the first six months, with a low regular APR afterwards. There is no annual fee, and no spending requirement to start receiving cash back. You might also want to check out American Expressí Smart Chip service with ID Keeper. This web tool allows you to store personal log-in and password information for the web so that you donít have to input your information every time you log on.
Cash back reward cards are an excellent way to get your feet wet in the credit card world. Try some of these on for size, and see what they have to offer. If youíre going to be buying things anyway, you might as well reap additional benefits!
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Ed Vegliante runs www.credit-card-surplus.com, a directory of credit card offers.
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