There are so many credit cards and special offers out there these days that it can be difficult to decide which one is right for you. Finding the right offer that will give you the best rewards while keeping you from overextending yourself should be your first concern. You also need to look at the interest rates because this will determine how much you pay back each year. How much you pay back will depend on the APR (Annual Percentage Rate). You have to take all of these things into consideration before applying for a card.
First, consider the Citi Double Cash Card, because it earns double cash back year round, with no annual fees. But the Discover It card also earns double cash back, so the rotating double bonus doubles to 10% cashback! The Blue Cash Credit Cards from American Express also earn you double points on your purchases and they have no annual fees. They both have good balance transfer offers as well. The Discover Card lets you earn free air miles, trip insurance and a host of other benefits.
The other two cards discussed in this double cash back cards review are the Capital One cards from Capital One and the Chase Freedom Unlimited cards from Chase. These cards allow you to make purchases with cash, as well as accumulate additional points for every dollar spent. The Freedom Unlimited card gives you five hundred dollars of free travel. There are also other great offers.
With the Discover It card, you earn one point for every dollar that you spend. You can redeem those points for cash, gifts or other rewards. The Blue Cash credit card gives you double points on all purchases and gives you two percent back on everything you buy. The last card we'll discuss is the Chase Freedom card. It is a joint venture between Chase and Citibank, which offer the zero interest introductory rate.
This card offers the regular features of a standard credit card, such as access to online banking, text messaging and rewards programs. You can also get a discount at your local supermarket. The only difference is that you won't pay an annual fee, as you would with many other cards that offer similar incentives, but don't have the annual fee. You will pay a one time application or a monthly membership fee. This might be a good option if you are looking for a cash back card that doesn't have a high annual fee.
Some people prefer to go with the Citi Thankyou program. CITI offers credit cards from the five major credit cards, but you must have a deposit equal to or greater than $500. You can choose from one of the following reward plans: Diamond Rewards, Gold Rewards, Silver Rewards, Platinum Rewards, or a premier Rewards Program. Diamond Rewards has a set limit as to how much cash you can accumulate in reward points. Gold Rewards and Silver Rewards are set up in much the same way as the other reward plans.
The CITI Premier Rewards Deal is probably one of the most flexible rewards rates you can find. You can choose from two different reward plans and choose between gas and airline miles, as well as hotels and attractions, when you sign up for this credit card. All the best cash back credit cards will allow you to choose between these types of rewards.
If you are looking for a cash rewards card that has no annual fee, offers low APR, and allows you to choose between gas and airline miles, then this is the right one for you. CITI gives you the best rate you can find for cash rewards on purchases made with credit cards. When you choose to get cash rewards, make sure to read all terms and conditions so you are fully aware of everything you will be paying for this benefit. Not only do you have to consider the interest rate, but you also have to take into account any annual fees or charges. When you are shopping for the best double cash back credit card offers, you have to choose the card that offers you the best cash rewards rate, offer you low APR, and allows you to choose between gas and airline miles, among others.