Find the best cash back credit cards

Cash back credit cards are those who want to get some cash, it’s as simple as that. To make things even better some cards offer bonuses on specific categories as well, so you can earn even more. The bonuses usually come when you opt-in and occur quarterly, so keep an open eye out for that. Keep in mind that most of the best cash back credit cards require a minimum amount spending each month for you to be able to maintain the card, so keep a tab on how much you spend and make sure it is on the level required or higher. Each card issuer also offers amazing bonuses as well, so take a look at the credit cards that Credit Sesame offers below – we will make sure if you are a registered customer to provide the best options available for your credit standing and history so you are likely to be approved for the card.

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Why choose a cash back credit card?
Choosing a cash back card is a smart option because it will allow you to either keep building points on all of your purchases or to request cash back after you have completed your purchase and bypass having to withdraw it from a machine. The amount of cash back that you can get usually varies depending on where you are making the purchase and of course depending on the issuer there is a difference in the percentage amount.
What is a cash back credit card?
A cash back credit card is a type of card that gives you money back when you spend a certain amount on that specific card. It is basically an incentive program used by the company to get you to use their credit card, and in return they will reward you by giving you back a percentage of the total spent on that purchase up to a certain limit. You can essentially ask for cash back after the purchase instead of having to run to the ATM.
What kind of card can I get?
If you have a good or excellent credit score which means 640 or above, you are more likely to get accepted into the cash back program. That doesn’t mean that if you are sitting at a fair range you cannot, but your chances are reduced. If you are eligible and would like to build up reward points or have the chances to get cash back on your purchases instead of using machines then this card is a good fit for you.
What are the pro’s & con’s?
To start with the benefits you will get cash back on your purchases, the percentage of cash back you can get will vary depending on where you shop. It can be gas, grocery, etc. Some cards do not have annual fees and an introductory 0% APR offer. On the downside you may face annual fees and APR rates higher than normal, and to get some of the best cash back cards you will need an excellent credit score rating.

Cash Back Top 2

Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One ® Quicksilver ® Cash Rewards Credit Card is one where you can get a one-time $100 cash bonus after you spend $500 on purchases within the first 3 months. You can earn unlimited 1.5% cash back on every purchase you make. You won’t pay annual fees or foreign transaction fees.

Customer Reviews

Capital One sent me an offer in the mail for the Quicksilver card. After checking the features and benefits, I enrolled, got approved within a week and got my Quicksilver within 2 weeks with $3000 limit (TransUnion 739; Experian 723; Credit Sesame: 742). I really like the free credit score I get from TransUnion every month with this card and I love the benefits and the 1.5% instant cash back.

The Capital One Quicksilver Cash Rewards Card from Capital One is a good card for people with good to excellent credit. They offer no interest until June 2015 if you sign up now which is great. They overall APR is not bad and comparable to other cards for people with good credit. This is a great cash reward card that charges no annual fee and i would recommend it to friends family or anyone in the market for a new credit card.


New cardmembers can receive an introductory offer of 0% APR on purchases until September 2016. After that, the variable APR of 12.9% to 22.9% will apply. There is also a 0% introductory APR on balance transfers until September 2016, a 3% fee applies to each balance transfer.

Easily monitor your monthly credit score with the Capital One® Credit Tracker. It is free to use anytime and anywhere. There is no annual fee on the account and no foreign transaction fees when you make purchases overseas. You can earn a one-time $100 cash bonus after spending $500 on purchases within the first three months.

Chase Freedom ®

The Chase Freedom® credit card has great benefits for those in the good or excellent credit score range. New Cardmembers can earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening. 0% intro APR for 15 months on purchases and balance transfers. Also, you can earn unlimited 1% cash back on your purchases.

Customer Reviews

I love this card. I pay my card religiously and Chase always has such great employees when I go pay it. The card itself is amazing compared to my other cards. The 5% cash back each quarter in different categories is helpful. I received $200.00 as a sign on bonus for signing up for the card. That was sure helpful. Definitely apply for this card if you have the appropriate credit and intend to pay your bills.

With the Chase Freedom card, I actually believe I have freedom in using it. What I love about this card is that you get money back! I can use it to do online shopping, especially Amazon and I am able to get money back every few months. Also, I am able to add my daughter’s high school accounts to my card so any time they need money, I can go to an atm, use my freedom card and transfer money to them without any hassle. This card is worth it!


The Chase Freedom card offers 0% introductory APR on purchases and balance transfers for the first 15 months of a new account being opened. After the 15 month introductory APR period expires, a variable APR of 13.99% – 22.99%. The exact variable APR will depend on your creditworthiness, which is determined by your credit score, credit history and other related factors.

You can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. There are new 5% categories every 3 months such as gas stations, restaurants, and select grocery stores. And automatic unlimited 1% cash back on all other purchases. Cash Back rewards never expire as long as your account is open and there is no annual fee.

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Related Credit Card Options

Pre-paid Credit Cards

The pre-paid credit card is a great way to start your credit experience if this is your first time getting a credit card or if you want to be able to weild a powerful card for online purchases or other locations that only accept credit.

Secured Credit Cards

Secured credit cards are your best option if you are in need of rebuilding your poor credit score or this is your first time in the credit area and are looking to get started from scratch. The chances of being accepted are relatively high, even with no credit history.

Business Credit Cards

If you run a small, medium, or even large enterprise you will be in need of a business credit card. These cards play by different rules and are really useful for purchasing business related products and services. In return ou will get great rewards and other incentives.

Cash Back Credit Cards

Cash back credit cards are a great way to earn more on your every day purchases while also being able to redeem cash at checkout. Not only will it save you trips to the ATM machine but you will be able to also experience other great perks such as a lower interest rate and annual fee in certain cases.

Low Interest Credit Cards

If you have been paying your balance on time, and you are sitting a good or excellent credit score rating then you are likely eligible for a low interest credit card. These are credit for paying off debt and making expensive purchases as they will allow you more time to pay back the debt.

0 APR Credit Cards

If you are doing a balance transfer or are looking to make expensive purchases then a 0% APR card is the right choice for you. The introductory rate usually lasts anywhere between 6 months to 18 months depending on the issuer and is a great way to buy and save.

Help: Choosing the best cash back credit card

The cash back credit card is another type of rewards credit card where you actually get cash back on your purchases instead of accumulating points. The cash back earned is generally 1% on all combined purchases up to a certain dollar amount, such as $1,500 or $5,000. This dollar amount could be considered on quarterly purchases or yearly purchases depending on the policy of the credit card. There are also higher cash back percentages given in select categories that are chosen by the credit card company. For example, there may be a quarter of the year where all gas purchases will earn you 5% cash back instead of 1% cash back. Then during another quarter the 5% deal might be applied to restaurant purchases. The card issuer will let you know when these special deals are running. Sometimes they may also offer rebate points in addition to cash back offerings. These bonus points can be used to purchase gift cards or gift certificates with your favorite merchants. If you check out the cash rewards credit cards from Discover and American Express, they have cards with no annual caps on your earnings. This means you can build up as many points as you want and receive substantial rewards when you are ready to cash them in.
Many consumers prefer to get cash back instead of just getting points to use towards discounts on hotels and airfare. Cash back credit cards also have much more flexibility as well. There are many different types of cash back credit cards that have different features and deals. The general feature you want to pay attention to are the interest rates. Most of these credit cards will come with 0% introductory APR for the first 12 to 21 months. This means you can make lots of purchases and get cash back without having to worry about interest charges during this time. But then after the introductory period expires you will likely be paying a variable APR of between 17.99% and 23.99%. Cash back and rewards credit cards tend to have higher interest rates than traditional credit cards. The only way to get the lower end of the variable APR is to have a good credit score and credit history. That way you will be more trustworthy in the eyes of the card issuer and so they will give you a lesser percentage. However, if you are somebody who plans on paying off their balance every month then you won’t have to pay any interest rates at all. Then you can just earn cash back by making your normal purchases and not paying anything extra in interest. So if you plan to pay off your balance each month then cash back credit cards are definitely right for you.
Another thing you need to consider with cash back credit cards are the additional fees associated with them. Besides the initial onetime application fee, there could also be an annual fee attached to the policy as well. These fees could range anywhere from $59 to $179. Sometimes they might give you the first year free, but then charge you this fee for every other year. If you don’t plan on making that many purchases with your cash back credit card then these fees will be more than any of the cash back you earn from your purchases. That would make it pointless and more costly to get the card. Therefore, you need to make a lot of purchases in order to make the cash back card worth your while. But if you happen to find a card with no annual fee, definitely go with that one. You should also consider the foreign transaction fees and late fees as well. The foreign transaction fee will be a problem if you are going to frequently travel overseas and make purchases in foreign countries. As for the late fees, these will only be a problem if you plan on making late payments every month. But if you plan on paying your premiums on time then you won’t have to worry about this fee. Again, it all depends on how you plan to manage your debt once you have made purchases with the card.
Overall, cash back credit cards have their perks as long as you don’t create too much debt that you can’t pay back right away. Remember there are usually quarterly limits on the amount of cash back you can receive every month. So if you have a card that only gives you 1% cash back on $1,500 worth of purchases every three months, you need to make sure you don’t spend more than $1,500 in three months. If you do then it will just create more interest charges that will outweigh the mere $15 cash back you will receive. But if there is no annual fee and you pay the balance off every month, then you will be able to put a little extra cash in your pocket each quarter.

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