I am looking to get a credit card with some cash back or points rewards. Any suggestions?
by Author on Saturday, August 14th, 2010 | 7 Comments
I want something with no annual fee and it needs to have a good Interest rate...
I would also like a reward that comes back and is something i can use such as gas or grocery gift cards or money.
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There are many good credit card companies offering rewards. HOWEVER, those that offer "points" for shopping or miles for flying are useless. You need to accumulate 2000 points to get an ashtray!!!
Your best bet is one that offers "cash back" on purchases (HSBC and CITI as well as AMEX offer this program. I use one card to pay all my monthly expenses then when the statement comes, I pay the balance in full. This allows me to keep a large amount of money in the bank for a little while (more interest made), then when I pay the bill, I receive more money in rewards (average about $60 a month). I cash in the rewards every six months and there are no fees at all with an interest rate of 9.35%
Your interest rate will depend upon your credit score
Good luck shopping.
i kno american express has points rewards
I like my citi premier pass mastercard. I have the elite level, so it does have a $75 annual fee, but for me it’s worth it. We try to fly out to visit family once a year, and we use the points we earn on it to get our plane tickets. You can also use them for a lot of other things like gift cards, etc… Or even call them and they can personalize something for you if you have something specific in mind. You don’t have to do the elite level, then it has no annual fee, and is still a good rewards card. You get a point for every dollar spent, etc.. with the elite level though, you get extra points for a lot of things, so they add up a lot faster. It works for us because we use it a lot, we spend generally around $1,600/month on it and pay the balance in full each month, so I actually don’t even know what the rate is on ours right now, because we don’t ever pay interest. I’m sure they would have good introductory rates, especially if you have good credit though.
I would have to say Citibank cashreturns is the best choice no annual fee and 9.99% interest with 5% cash back on all purchases, check out http://www.fastcreditcardapprovals.com and go under rewards cash back cards.
http://fastcreditcardapprovals.com/
go with the Citibank
Citi CashReturnsSM Card has cash back plus low apr
you can go here to compare them,
http://www.bestcreditrates.net
http://cards.yoll.net – try this one. I personally use their card for ebay and shopping in Internet.
As I know it offers 0% interest rate for 18 months.
You should check out the Discover More Card. No annual fee, 12 month 0 APR, 10% interest rate after that, and you get 5% cashback on gas, restaurants, etc. It meets all of your needs! If you use ApplyFastBankCards to apply for the Discover More Card you would get paid $55. If you dont like that card check out their other cards you get paid for any card you end up applying for:)