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Compare Top Cash Back Rewards Credit Cards in February 2024
Blue Cash Everyday® Card from American Express
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.99% to 29.99% variable APR.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.https://www.quickencompare.com/wp-admin/post.php?post=22679&action=edit&classic-editor#
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Capital One SavorOne Cash Rewards Credit Card
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
Capital One Quicksilver Cash Rewards Credit Card
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Blue Cash Preferred® Card from American Express
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments.
- Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 18.99% to 29.99%
- 6% Cash Back on select U.S. streaming subscriptions.
Benefits of a Cash Back Credit Card
Cash back credit cards allow you to earn rewards on your purchases. Typically, a percentage of the purchase amount is returned to you as cash back. This can range from 1% to 6% or more, depending on the card and the spending category.
By using a cash back credit card for your everyday expenses, you can accumulate cash back rewards over time. This essentially means that you’re getting a discount on your purchases, which can help you save money in the long run.
Flexibility in redemption
Cash back rewards are often quite flexible when it comes to redemption. You can usually redeem the accumulated cash back for statement credits, bank deposits, or even as a check. Some credit cards also offer the option to use the cash back rewards for travel, gift cards, or merchandise.
No specific spending categories
Unlike some other types of rewards credit cards that offer bonus points or cash back in specific spending categories, cash back credit cards often provide a flat rate of cash back on all purchases. This eliminates the need to keep track of different spending categories and allows for a more straightforward rewards program.
Additional perks and features
Many cash back credit cards come with additional perks such as extended warranties, purchase protection, price matching, travel insurance, and access to exclusive events or offers. These features can enhance the overall value and convenience of the card.
Build credit history
Using a cash back credit card responsibly and making timely payments can help you build a positive credit history. This can be beneficial for future loan applications, as lenders often consider a strong credit history when evaluating creditworthiness.
No annual fee options
While some cash back credit cards may have an annual fee, there are many options available that do not charge an annual fee. This makes it easier to find a cash back card that suits your needs without incurring extra costs.
It’s important to note that cash back credit cards are most beneficial when used responsibly. To maximize the benefits, it’s advisable to pay off the card balance in full each month to avoid interest charges and potential debt accumulation.
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