In my opinion this is the best cash back card and here is why….

• This card does not have a pre-spending limit before you can reach earn the 2%. For example like the American Express Blue Cash Card, you first need to spend 6500 on the card before you even qualify for the 5% everyday purchases. In the case of most people, in the long run, they will earn more cash back using the HSBC card from day one. Plus Amex is not accepted everywhere, so you have a better chance of acceptance with this card.
• This card pays 2% cash back on everything! No more having to decide what card to use when getting gas, groceries, etc. All purchases made will get you 2% back.
• Unlike the Fidelity 2% cash back card, the HSBC Platinum card does not require a brokerage account to be opened. So one less thing to do here.
• There is no annual fee with this card, so you pay nothing to have the option to earn 2% cash back.
• You can receive a cash back check as soon as your account reaches $25. This limit is a lot lower than other cards that won’t let you access your rewards until the $50 or $75 limit.

I have this card, and it is the only one my wife and I use. We have received over $475 cash back over the two years I have had it. Many people prefer receiving travel rewards, but we have found that there is no substitute to getting a check in the mail. It’s a little something extra that you can use to spend.

The application page for this card had disappeared shortly after I applied for it a few years ago. My thought is that they limit this card to so many people at a time. It is great news that it is now back again. My advice would be to get in on this one right away before they shut it down again. If you currently don’t have a cash back card, or a tiered one you really should take a look at this. For an easy comparison, take the amount of cash back you received on your current card last year, then divide it by the total amount you spend using the card last year. If that number is better than 2%, then you probably won’t need to switch, but I bet in most of your cases, it will be less!

You can find more details and how to aplpy on the HSBC Platinum 2% Cash Back Card Promo page.

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Along with the great bonus, the Chase Freedom Visa is also a cash rewards card. You earn 5% cash back based on quartly rotating categories. You also earn 1% on everything else that you buy using the card.

There is no annaul fee with this card.

See more details on the Chase Freedom Visa on their promo page.

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1. Chase Freedom Mastercard $100 Bonus and 0% APR on Balance Transfers for 12 Months It has been a bit of a while, but it...

There is a $100 bonus when you spend $500 in the first 3 months after opening the account. And in addition to the bonus, there is a 0% APR for 12 months on Balance Transfers that are made within the first 30 days that the account in open. Note that there is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, however if you have a balance on another card with a higher interest rate, you will most likely save money moving it to a 0% rate. There is also a promo rate of 0% for 6 months on all purchases made with the card.

The Chase Freedom Mastercard also is a rewards card. It earns cash back based on the type of merchants that you shop at. The card earns 5% cash back up to $100 spent in bonus categories each quarter and 1% cash back on everything else.

There is no annual fee for this card, and once your 12 months are up, the interest rate will be 11.99% – 22.99% based on your credit worthiness.

To see the 5% categories as well as more details on the card, check out the Chase Freedom Mastercard account page.

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1. Discover More Card No Balance Transfer Fees The Discover More Card is one of the more popular...

Well that is exactly what is going on right now. When you Apply for the Discover More Card you can transfer a balance with no fees for up to 12 months at a 0% interest rate.

If you have a larger balance that is going to take a longer time to pay down, you might opt for their other promotion where you can get a 0% transfer rate for up to 24 months. This transfer does however include a fee. The fee is 5% of the amount of each transfer made when you use this link to apply.

And for those of you with no balance to transfer, don’t fret! I have an offer for you too. If you apply using this link you can get a $100 cash back when you make $500 in purchases during your first three months with the card.

No matter which way you apply, you will have the benefit of a rewards program that pays 5% cash back in rotating quarterly categories along with 1% cash back on all other purchases. Here is the breakdown on the 5% categories for this year (2011):

• January – March: Travel and Restaurants
• March: Grocery and Drug Stores
• April – June: Home and Fashion
• July – September: Gas, Hotels, Movies and Theme Parks
• October – December: Restaurants and Fashion

There is no annual fee on the Discover More Card, so what are you waiting for!

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Note that there is a 4% balance transfer fee on the balance of the transfer. If you are going to balance transfer for the full 18 months, then the 4% fee is pretty negligible.

0% balance transfer offers are becoming more and more scarce these days as the credit card companies try to find other ways to increase their revenue based on the new consumer card act that was passed last year. If you are needing to transfer some debt at a low interest rate, then this deal could be for you.

Other benefits of the card include the following:

• 0.00% introductory APR for 12 months from the date of account opening.
• 5% Cashback Bonus in categories that rotate each quarter
• 5% to 20% Cashback Bonus through our exclusive online shopping mall
• Up to 1% Unlimited Cashback Bonus on other purchases, automatically
• Redeem rewards for cash

For more details on this offer, check out the Discover More Card Promo offer details. Make sure to read the “Interest Rates and Interest Charges” section at the bottom of the application so that you are fully aware of the terms and possible fees with this promotion.

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Once you make your first purchase with the card, you will receive 16 credits added to your account. And guess how many credits it takes for a free flight? Yup you guessed it, 16, which is not bad considering how much other airlines require to to use for a free flight.

Like any other frequent flier card, you also earn 1 reward dollar for every dollar you spend using the card. You will also earn 2 reward dollars for every dollar spent on Southwest airfare using the card. 1,200 Reward Dollars = 1 Rapid Rewards credit.

Details on the offer are below. (if you don’t have JavaScript enabled, then Click Here)

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Here is how the rewards breakdown works:

For your first $6500 in purchases:
Earn 1% on purchases at supermarkets, gas stations, and drugstores
Earn 0.5% on all other purchases

After you have spend $6500
Earn 5% on purchases at supermarkets, gas stations, and drugstores
Earn 1.25% on all other purchases

You used to have to wait an entire year to get your Blue Cash rewards. They were applied as a statement credit on your account on the anniversary date of the account opening. So then you just ended up having to use the card for purchases to access the reward.

Well American Express has made a change for the better on this card. Now, you can redeem rewards upon request whenever you have accrued 25 reward dollars or more. You no longer need to wait a year and can have access to your rewards immediately.

I know that having to wait an entire year for your rewards was a big reason why people avoided this card. These days most cards give you access to your rewards once you hit a certain dollar amount which makes me think this is why American Express made this change.

Check out the American Express Blue Cash Rewards Card site for more details.

American Express Mandated Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

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There is a new Citi Forward promotionwhere you will get a $200 Restaurant.com gift certificate after you make $100 in purchases with the card by September 15th, 2010.

It’s as simple as that, all you have to do is apply for the card and make $100 in purchases by 9/15/2010. You will receive the gift certificate details by mail 6-8 weeks after you have met the minimum purchase requirement. You then can redeem the gift certificate at restaurant.com.

If you have never bought anything from restaurant.com, they offer discounted dining certificates to restaurants all over the country. In most cases you can find one of your favorites there and get a great deal off of the bill using their service.

The Citi Forward card is a rewards card. You will earn 5x ThankYou® Points for every $1 spent at restaurants, on books, movies and music. You also get 1 reward point for every $1 you spend on all other purchases. Even better is that you can earn up to 2,500 when you sign up for Paperless Statements.

The Citi Forward comes with 0% Intro APR on Balance Transfers for 12 months and 0% Intro APR on Purchases for 7 months. After that, the APR will be 12.99%-19.99%. This APR will vary with the market based on the Prime Rate. Both the rate and duration of this offer will be based on your creditworthiness.

There is no annual fee for this card.

See the Citi Forward Promo page for the terms and conditions of the card.

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This card also comes with a feature called “Mileage Boosts”. When you make $25,000 in purchases during a calendar year, you will get an additional miles boost of 10,000 Medallion Qualification Miles. You can get another 10,000 Medallion Qualification Miles when you spend reach the $50,000 in purchases mark during that same year. If you spend a lot, this card will get you into elite status on Delta fast!

If you add 2 additional cardmembers to your account you will then receive another 5000 Skymiles bonus to your account. Note that this card has an annual fee of $150. There is no additional card fee.

For more details on this card and how to apply, see the Platinum Delta Skymiles Card Detail Page

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You will receive a $50 statement credit when you make purchases totaling $50 within the first 60 days of account opening. There is also a $25 statement credit when you enroll your new account in Online Banking within 60 days of the account opening date. The statement credits should appear within 8-12 weeks after you complete the qualifying events.

The Bank of America Cash Rewards Visa is a cash back credit card. You will receive 1% cash back on all purchases using the card. There is a promo offer where you can earn 3% cash back on gas, grocery and drugstore purchases for the first 6 months.

What is unique about this card is that you get a 25% bonus for all cash reward redemptions of $300 or more. So if you wait to redeem your cash back until you have more than $300 available you will get an additional 25% back.

This card also comes with an introductory 0% APR for your first 7 or 10 billing cycles for purchases. The number of billing cycles depends on your credit score when applying. This card has no annual or inactivity fees.

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