Cash back programs are a beautiful thing. Essentially, the credit card company is handing you money simply for using their card to make your everyday purchases. Once you reap the cash reward, you can use the money on whatever you want or even apply it to your statement balance.
Ready to start reaping the rewards of a cash back card? Here are some of the best options on the market.
Discover it – Cash Back Match Card
Every quarter, this card offers 5 percent cash back on a certain spending category. Sometimes it might be applied to gas stations while other times it might benefit restaurant expenses. Even the purchases not included in the special quarter reap 1 percent cash back, so you’ll always be getting a little money back when you use this card.
Citi Double Cash Card
Every time you purchase anything, this card gives you 1 percent cash back. Then, when you pay for that purchase later, you get another 1 percent back. Plus, there’s 0 percent intro APR for the first 18 months, so you won’t have to worry about paying back interest if you leave an outstanding balance on your account for a bit.
Chase Freedom Card
Chase is a fantastic company to work with when you’re looking for rewards programs. With this card, you’ll get $150 back just for spending $500 in the first three months with the card, which is pretty doable for most users. Like the Discover it Cashback Card, this one also selects certain categories each quarter that get 5 percent back. It’s basically free money, as long as you’re using the card responsibly.
Wells Fargo Wise Visa Card
If you open an account with this card and spend $1,000 in the first three months, the company will give you $200 back. Plus, you’ll get 1.8 percent rewards on purchases made with your smartphone via Apple Pay or Android Pay for the first year. Pretty much every purchase gives you 1.5 percent back, so you’ll be feeling the benefit of this cash back card quickly.
Capital One QuicksilverOne Cash Rewards Credit Card
No matter what you’re buying, each purchase gets you 1.5 percent cash back. It’s that easy. Plus, that cash back won’t expire, which means there’s truly no limit to how much you can acquire over the years with this card. There are no quarterly specials to keep up with or necessary sign-ups for cash back, so just use the card and reap the rewards later.