Best cash-back credit cards for 2019 arkansas gas and oil commission


Bonus: Here’s what that first-year match means: Cardholders earn 5 percent cash back in quarterly rotating categories each quarter you activate (up to $1,500 spent quarterly). At the end of your first year, Discover MATCHES that 5 percent – effectively meaning you earn 10 percent cash back in those categories. You also earn 1 percent back on all your other purchases so, with the first-year match, you effectively earn gas density calculator 2 percent back. Most flat-rate cash-back cards offer 1.5 percent back, so the first year rewards here really can’t be beat.

Rewards Rate: Each quarter you activate, you’ll earn 5 percent back on the first $1,500 spent in that quarter’s category. Earn 1 percent back on all your other purchases and on any purchases over the cap in the bonus categories. If you max out your spending in the bonus categories each quarter, you’ll earn $75 cash back on those purchases alone. Thanks to the first-year match, that means you would earn $150 cash back each quarter that you activate and max out your spending during your first year. Read our full Discover it® Cash Back review.

Why We Like It: The rewards tiers for this card are solid, if not gas constant in kj spectacular; however, this card makes our list because of the flexibility to choose where you’ll earn your highest level of cash back from among a list of six possibilities (more on that below) as well as the opportunity to earn bonus cash back on every purchase if you’re a Bank of America Preferred Rewards client. This card also qualifies for the easy-to-use BankAmerideals® program.

Bonus: Earn a $150 online cash rewards bonus after you use your card to make $500 in purchases in the first 90 days of account opening. Plus, save money with 12 months’ no interest on purchases as well as on balance transfers made within the first 60 days of opening your account. After the intro period, your rate jumps to 16.24% – 26.24% Variable APR on purchases and 16.24% – 26.24% Variable APR on balance transfers.

Rewards Rate: Maximize your cash back in the electricity fallout 4 category of your choice: gas, online shopping, dining, travel, drug stores or home improvement/furnishing. Earn 3 percent cash back in your choice category and 2 percent back at grocery stores and wholesale clubs (up to $2,500 in combined choice gasoline p category/grocery store/wholesale club quarterly purchases), and earn an unlimited 1 percent back on all other purchases. You can update your choice category for future purchases once each calendar month using the mobile banking app or online banking, or do nothing and it stays the same.

Bank of America also runs a program called BankAmerideals®. With this program, you select deals from an ever-changing list of retailers, restaurants and websites, pay for your product or service with an eligible Bank of America credit or debit card, and earn the listed cash back directly in your linked account. While this isn’t tied specifically to your Bank of America® Cash Rewards credit card, the card is among those that are eligible for the program. Read our full Bank of America® Cash Rewards credit card review electricity bill cost per month.

• Tiered – Your amount of cash back varies depending on the spending category, but those categories are constant. For instance, the Blue Cash Preferred® Card from American Express offers 6 percent cash back on U.S. supermarket purchases (up to $6,000 spent annually, then 1 percent), 3 percent back at U.S. gas stations and 1 percent back on all other purchases.

• Rotating categories – These cards offer a flat rate across all purchases, but also offer bonus cash back on purchases made in particular categories that change each quarter. Cardholders generally must activate quarterly in order to receive the bonus cash back, which is usually capped at a certain level of spending. An example of this type of cash-back credit card is Chase Freedom®, which offers 5 percent back on the first $1,500 you spend in the quarterly ortega y gasset revolt of the masses bonus category when you activate and 1 percent back on your other purchases.

• Cardholder choice rewards – These cards are rare, but you might see more of them in the future. Think of them as a sort of combination tiered rewards meets rotating categories with a dash of customer choice thrown in. The rewards structure generally involves tiers of some kind, along with the spending caps you see with traditional tiered cards. In addition, the cardholder gets to decide a category or two in which you’ll earn rewards and you can change that category periodically. An example of this card is the Bank of America® Cash Rewards credit card, which allows cardholder to choose from among six categories where they’ll earn 3 percent cash back along with 2 percent back gas city indiana newspaper at grocery store and wholesale club purchases (3 and 2 percent rewards apply to the first $2,500 spent in combined choice category/grocery store/wholesale club purchases each quarter) and 1 percent on all other purchases. Cardholders can change their choice category once each calendar month quadcopter gas motor.

When your circumstances change – and they likely will – your card needs will likely change, too. Periodically review your spending situation and make sure your card (or cards) are still working for you. Don’t be afraid to break up with your card if things aren’t working out. Maybe you’ve changed jobs and your commute got much shorter – that card that offered high cash-back rewards on gas station purchases might not be right any longer. Or maybe you’ve gone back to school and find yourself eating a lot of meals at coffee shops and diners – a card that offers bonus rewards at restaurants could benefit you now. Actually use it.

Nothing will offset rewards earned quite as quickly as mounting interest charges. If you’re going to the effort to earn cash-back rewards, be responsible with your card and pay off your balance electricity nyc each month. Along the same lines, spending more than you can afford simply for the rewards is a terrible idea; you won’t come out on top. Cash rewards or miles or points cards?

You are the best person to accurately assess which credit card will fit seamlessly into your lifestyle. Don’t be wooed by introductory offers from cards you know won’t ultimately be the best fit. Don’t fall into the I’ll change my spending habits to make this card work because that intro offer is just too good to pass up trap. Chances are, you’ll just end up carrying around the wrong credit card and not reaping maximum rewards.

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