(Image Courtesy of Laffy4k, Flickr)
After all of the trips to the pool, summer camps, and family vacations, it’s time to face it—summer is waning. Fall brings on a new list of budget-busting back-to-school expenses. The plethora of pencils and notepads and the trendiest new duds can add up quickly. Fret not! Some credit card companies offer savings and rewards on your purchases for those everyday purchases and you can include those first day must-haves. As always, before selecting a new credit card, do your homework and research them. While any of these cards may interest a variety of individuals, we selected these for their rewards program either for the high earn rate or for the simplicity of the rewards program, also for any bonus offer and all but one have no annual fee. Just a note here rewards earned varies based on account usage and rates for the various redemption options may vary and may change without notice.
Amazon Rewards Visa Signature Card
Annual fee: $0
Not in the mood to brave the sweltering temperatures and long checkout lines? Stay indoors and order online with the Amazon Rewards Visa Signature Card. This card, issued by Chase Bank USA, N.A., comes courtesy of the world’s largest online retailer and has no annual credit card fee and you can earn rewards on your eligible purchases, making it a contender for those back-to-school purchases. There is a New Cardmember Offer of a $50 Amazon.com gift card which will instantly be loaded into your Amazon.com account upon the approval of your credit card application. Use your Amazon Rewards Visa Signature Card and earn 3% Back on purchases made at Amazon.com and Whole Foods Market. Earn 2% Back on purchases at restaurants, gas stations and drugstores and 1% Back on all other qualified purchases made with this card. Earn even more with an eligible Prime membership – earn 5% Back on Amazon.com purchases and at Whole Foods Market.
And worth mentioning again there’s no annual fee and when you use your card for purchases made outside the United States, there are no foreign transaction fees.
U.S. Bank Cash+™ Visa Signature® Card
Annual fee: $0
Hitting up a department store for the season’s newest threads? Each quarter, this card lets you select two categories from a selection that U.S. Bank provides—like department stores or select clothing stores. This example of categories you can choose from is great for your growing little ones to pick out their first-day outfits. You earn 5% Cash Back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose, so make sure you select your categories each quarter.
You also earn 2% Cash Back on one everyday category U.S. Bank provides and that you choose from, like gas stations, restaurants or grocery stores. Similar to the 5% Cash Back category, you must activate the 2% category each quarter and the categories are subject to change quarterly. Learn more about the categories you can choose from at the U.S. Bank website.
All other eligible net purchases will earn 1% Cash Back rate (including eligible net purchases if you don’t select your quarterly categories).
Blue Cash Preferred® Card from American Express
Annual fee: $95
If back-to-school means you’ll be packing lunches five times a week, consider the Blue Cash Preferred® Card from American Express (American Express is a CreditSesame.com advertiser). Eligible new Card Members earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. You earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases. In addition NEW 6% Cash Back on select U.S. streaming subscriptions. Also NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
Blue Cash Everyday® Card from American Express
Annual fee: $0
While its cousin card, the Blue Cash Preferred® Card from American Express may appeal to big spenders, this version, the Blue Cash Everyday® Card from American Express (American Express is a CreditSesame.com advertiser), is an option for those who want to earn cash back rewards, without an annual fee. Currently there’s an offer for eligible new Card Members to earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. You earn 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Earn 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. Take note your cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Capital One® Quicksilver® Cash Rewards Credit Card
Annual fee: $0
Unlike the previous cards, the Capital One® Quicksilver® Cash Rewards Credit Card earns a flat cash back percentage on purchases, with no hassle or categories to activate. There are no rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn. Earn unlimited 1.5% cash back on every purchase. There’s a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening for eligible new Cardmembers.
Independent Review Disclosure: All the information about the Amazon Rewards Visa Signature Card, and U.S. Bank Cash+™ Visa Signature® Card has been collected independently by CreditSesame.com and has not been reviewed or provided by the issuer’s of these cards. The Amazon Rewards Visa Signature Card, and U.S. Bank Cash+™ Visa Signature® Cards are not available through CreditSesame.com.
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