Which Credit Card is Best for Cash Back?

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Cash back credit cards give you money back on your card or in the form of a check just for making purchases. Who doesn't want money to come back to them? According to a report by the Aite Group in 2008, consumers say that the rewards programs offered by credit card companies are the second most important feature consumers look for when comparing options, behind annual fees, but before interest rates. The problem is, not all of these cards are created equally.

What Are Cash Back Credit Cards?

There are many cards on the market that offer rewards based on the amount of purchases you charge. Some give you vouchers that you can use to purchase items at a particular store. Others give you airline miles that you can cash in free trips. Some even give you cash back. If you are interested in these types of cards, your best bet is to apply for a cash back card. Why? While rewards and gifts are nice, nothing beats cash.

Top Cash Back Credit Card Offers From Our Partners

The best cash back credit cards range based on what individuals qualify for as well as what their needs are. The following are the best offers currently available.

The  Citi® Double Cash Card – 18 month BT offer is great for those with excellent credit, offering 1% cash back when you buy and 1% cash back as you pay for those purchases. It does not offer a sign up bonus, Citi Dividend College Studentsbut rather a fixed rewards rate that helps you earn every time you buy and every time you pay. The regular APR is  14.74% - 24.74%* (variable) based on credit worthiness.

The Chase Freedom® helps excellent credit score individuals earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening. You'll earn up bonus percent cash back on purchases in rotating categories and 1 percent cash back unlimited on other purchases. The Regular APR is 16.24% - 24.99% Variable.

Any of these cash back credit cards can work for consumers. However, it is up to you to keep get the best offers for your needs - a good credit score is often necessary.

*Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

*The content in this article is accurate at the publishing date, and may be subject to changes per the card issuer.

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