Credit Card with cash back

[DanJ]

I see a lot of people talking about credit cards with cash back, so I'm looking for some recommendations. Originally I signed up for an Associates VISA due to their "3% Cash Back" only to find you needed to keep a balance which I don't wan't.

So, as that blows, what credit cards do you recommend with this feature, or other cool features? (links for signing up would be cool)

 

[Cyberian]

We have "Discover" - only 1% cash back (I think) - but no annual fee.

No idea about interest rates - we never had a balance.

 

[KingNothing]

I just got an Amex Blue Cash. It's clear, pretty sweet looking, and has a smart chip inside that you can use with a reader if you want. It offers 1.5-5% cash back. Probably won't amount to much, but my Visa didn't have any services, and this card also offers return protection and warranty extension.

 

[Mill]

Cash back is stupid. Airline mileage or rewards cards are better. I love MBNA and Citi.

 

[Cougar]

I've got the Citibank Dividend card and I believe it's 1% cash back. There's no annual fee and no minimum balance that I'm aware of so it seems like a decent card. It actually used to be the ClickCiti card but they discontinued that program and replaced it with the dividend...now instead of getting 1% back on every statement they wait until you've accumulated $100 and they mail you a check.

 

[DaveSimmons]

Capital One is a sliding scale, the first $xxx at 0.5%, then 1%, etc.

Amazon is a straight 1% in Amazon credit, but 3% on Amazon purchases. Plus you get $20-30 for signing up.

Neither makes you carry a balance.

 

[manly]

Originally posted by: Cougar
I've got the Citibank Dividend card and I believe it's 1% cash back. There's no annual fee and no minimum balance that I'm aware of so it seems like a decent card. It actually used to be the ClickCiti card but they discontinued that program and replaced it with the dividend...now instead of getting 1% back on every statement they wait until you've accumulated $100 and they mail you a check.

Click Citi is simply the best credit card ever. I'm still bummed that they replaced it with a much weaker offering. Even though it was a relatively well kept secret, I can imagine how much people abused the price protection program (up to $5000 in claims per year). The Platinum Dividends card sucks because you don't get a dime until you've accrued $100 in cash back (by spending $10,000).

Discover Cash Back isn't the greatest, but it's actually not bad if you redeem double cashback at affiliated merchants such as Staples.com or Dell.com. That makes the value of the award close to 2% of purchases (not exactly 2% because there are 0.25% and 0.50% tiers).

A thread asking about credit cards pops up at least once a month, so you should do a search. If you're interested in cash back, one that I recall seeing in a past thread was a Citgo card.

 

[LS20]

i have a discover, and just bought a 1200$ laptop from dell.com tonight

i went to their website and saw that dell.com wasnt one of the vendors?

as far as the cashback its very minimal...but beats not having anything


my mom has a mbna rewards plus... after 33k spending she has 33k points good for 330$ cash or 25k points = roundtrip anywhere

 

[manly]

When I checked the Discover Cashback partners page a couple weeks ago, I could have sworn Dell.com was listed. I checked because someone else had mentioned they are a partner, but I guess that's no longer the case. :frown:

 

[Eli]

Hmm, I applied for a Citgo card.. lol

Betcha 5 bucks they laugh at me.. lol

 

[guyver01]

I have the AMEX Platinum Cash card, gives 3% cashback
and also the CHASE Stockback Mastercard... The StockbackTM MasterCard from Chase gives you 1% cashback on all purchases and up to 10% more from participating merchants. Take your rewards as cash or invest them in a mutual fund.

 

[randomlinh]

Originally posted by: Millennium
Cash back is stupid. Airline mileage or rewards cards are better. I love MBNA and Citi.

problem is, most airline cards have the annual fee. that and i don't fly anywhere

i need to change my rewards program.. currently have a sony card, but that's just getting old.

 

[RossMAN]

If your primary concern is best cash back rebate card I would consider the Farm Bureau credit card which offers 2% back.

If you want a good all around credit card get the CitiBank Shell MasterCard which offers 1% cash back on all purchases, 5% on Shell gas purchases, no annual fee (provided you buy Shell gas 9 times a year), 0% balance transfer for 6 months, and one of the best features single use credit card numbers (like Amex and MBNA offer).

I received my first CitiBank cc 9 years ago back in 1994, they've been awesome ever since then.

UPDATE: Someone PM'd me informing me that Farm Bureau changed from 2 down to 1%

 

[NeoMadHatter]

i have a citibank divident card. works pretty well.

 

[LS20]

Originally posted by: RossMAN
If your primary concern is best cash back rebate card I would consider the Farm Bureau credit card which offers 2% back.

If you want a good all around credit card get the CitiBank Shell MasterCard which offers 1% cash back on all purchases, 5% on Shell gas purchases, no annual fee (provided you buy Shell gas 9 times a year), 0% balance transfer for 6 months, and one of the best features single use credit card numbers (like Amex and MBNA offer).

I received my first CitiBank cc 9 years ago back in 1994, they've been awesome ever since then.

UPDATE: Someone PM'd me informing me that Farm Bureau changed from 2 down to 1%

i think the 5% back on gas is kinda false economy...because shell gas is 10cents more expensive than everything else