If you like cash, then you’re sure to love below listed credit cards. Not only they earn you up to 5% cash back, but they now have some of the highest online sign-up offers as well.
Capital One Quicksilver Cash Rewards Credit Card
Sign-up bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual Fee: $0
The Capital One Quicksilver Cash Rewards Credit Card offers a straightforward way to earn cash rewards while also providing an easily achievable cash bonus. You’ll earn an unlimited 1.5% cash back on every purchase, which means there are no sign-ups needed or rotating categories to worry about. You also have the opportunity to earn 5% cash back on hotels and rental cars when you book through Capital One Travel, which can help you get Capital Ones best prices on thousands of trip options.
Their one-time $200 cash bonus can be earned when you spend $500 on purchases within 3 months from account opening. This is a lower spending requirement than most cash back cards which means you can easily achieve this bonus with everyday purchases.
Getting approved for the Capital One Quicksilver Cash Rewards Credit Card also means you’ll get a 0% intro on purchases and balance transfers for 15 months, then 19.99% – 29.99% (Variable). There is a 3% balance transfer fee on the amounts transferred within the first 15 months (no fee for amounts transferred at the transfer APR) but this fee is usually worth it if you’re currently carrying a balance on another card that charges interest.
If you have good to excellent credit and are looking for an easy to understand cash back credit card, then the Capital One Quicksilver Cash Rewards Credit Card is a great choice for you.
PROS
Unlimited 1.5% cash back on purchases with no restrictions, confusing categories or spending caps
Lengthy intro APR on purchases and balance transfers
No annual fee, no foreign transaction fees, and no minimums for redeeming cash back
CONS
Some cards offer more than 1.5% cash back, although they typically come with restrictions
There is a balance transfer fee of 3% for the first 15 months or at a promotional APR that Capital One may offer you at any other time. No fee for amounts transferred at the Transfer APR
This powerful credit card from Citi offers one of the most rewarding and innovative cash back program. Instead of earning bonus rewards in a pre-selected spending category, the card_name offers 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
What sets the $0-annual-fee card apart from other 5%-back options is the fact that your rewards are automated and adjusted based on your spending habits each billing cycle. Similar cards typically require cardholders to activate bonus categories each quarter. The automated rewards from the card_name can be a big draw for those looking to earn outsized earnings without added effort.
Sign-up bonus for new cardmembers: bonus_miles_full Compared to most other cards, this is twice the amount of time you have to make purchases to earn the bonus.
Last but not least, this card also has 0% APR for 15 months on purchases as well as balance transfers.
Chase Freedom Unlimited®
Sign-up bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Annual Fee: $0
Simply put, the card_name now offers more bonus categories and higher cash back rates than most no-annual-fee cards — higher, in fact, than than some cards that do charge an annual fee.
For a limited time, Chase has unveiled a new, very special offer for new card_name cardholders. With it, you get: bonus_miles_full
0% Offer
The card_name sweetens the pot with an introductory APR offer for its new card holders as well. Specifically, when you open a new Freedom Unlimited account, you’ll get a 0% introductory APR on both purchases and balance transfers for the first 15 months.
Other Benefits
Finally, keep in mind that the card_name comes with several consumer protections included. On the travel front, card holders get secondary auto rental coverage, travel and emergency assistance services and trip cancellation and interruption insurance worth up to $1,500 per person and up to $6,000 per eligible trip. Card holders also get purchase protection against damage or theft for the first 120 days after a purchase is made with the card. This coverage is worth up to $500 per claim and up to $50,000 per account. And items charged to the Chase Freedom Unlimited that come with a manufacturer’s warranty of three years or less also receive an additional year of extended warranty protection.
Do You Qualify?
This cash-back match is only available for new applicants with good to excellent credit. Additionally, Chase enforces an application restriction known as the “5/24 rule.” If you’ve opened five or more credit cards from any bank in the past 24 months (excluding most small business credit cards), you won’t be eligible to open the Chase Freedom Unlimited®.
Conclusion
Offers like this don’t come around often, especially from Chase. So jump on this offer if you can as it may not last long.
PROS
Unlimited cash back rewards and a generous sign up bonus
Lengthy 0% intro APR on purchases and balance transfers
Ability to see easily combine points with your other Chase Ultimate Rewards credit cards
CONS
There is a foreign transaction fee of 3% of each transaction in U.S. dollars
At 20.49% – 29.24% Variable, the ongoing APR is relatively high
