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How FICO® Scores are calculated
Did you know that opening a new credit card increases your total available credit? That can be good for your credit score.
How FICO® Scores are calculated
How much credit card debt you owe each month is the second most important factor impacting your credit score. Using too much of your available credit can lower your credit score, which can hurt your ability to get the best interest rates on auto loans or home mortgages.
Key features: Rake in a pile of cash back with this card that offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically Get a break on interest with intro APR of 0% for 14 months on purchases, then 11.99% - 22.99% variable apr after that. The icing on the cake is a massive sign up bonus for new card holders. Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. The first-year sign-up bonus doubles your cash back, turning your 5% category spending into 10% the first year you are a cardholder. Turn $300 into $600 with Cashback Match™. This card has $0 annual fee.
Who should get this card: If you like your credit rewards in cash, the Discover it® Cash Back is a great match for you. The signature feature on this crowd-pleasing card is the sign-up bonus that doubles your category spending into an unheard of 10% cash-back rate, with the Cashback Match in your first year of card membership.
Key features: Earn best-in-class cash-back on gas and groceries with no rotating categories. Start off with a generous welcome offer: $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. This card offers an extraordinary 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. If you spend $500 per month on groceries, over the course of a year, you'll earn $360 cash back for food you are already buying. You will also get sizable cash back at U.S. gas stations and select U.S. department stores, plus 1% cash back on everything else. Get flexibility for your budget with the 0% on purchases for 12 months intro APR on purchases then 13.99%-23.99% variable.
These premium rewards come at a cost: a $0 introductory annual fee for the first year, then $95 annual fee. But, many people can earn substantial cash-back rewards well beyond that. This card is one of the cases where the benefits can significantly outweigh the annual fee. This welcome offer alone covers the cost of the annual fee for two years.
Who should get this card: If you buy groceries and gas, earn industry-leading cash back on these items. Enjoy the flexibility of long 0% intro APR on purchases.
*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.