It’s never easy to find the perfect Cashback Credit Card in our modern world, where cashback is the king. When we have lots of money to spend, it’s natural to would like to get the most savings. However, when we’re looking to find the most effective money-back card for cash, it could be a bit of a struggle.
If you’re not sure which card is best, how do you choose one for purchase? Do you need to take a look at all the different cards to see which is the most effective? Should you instead go to the major players and select the ones with the highest reward?
But seriously, getting the best cashback credit card can be like trying to find your way in the dark. It is a bit like choosing the right card for the best interest rate in a marketplace. You need to be aware of all your options, but it’s not always easy to pick the right one.
So let’s start with the basics. There are a few things you need to consider before you go to the bank: Are you going to be spending money on gas and groceries or just for a flight to visit the grandmother? There are lots of factors that will help you make a wise decision about which card is best for you. Keep reading the article.
Chase Freedom Cashback Credit Card
The chase freedom cashback credit card got a little bit of a bonus right now. They will give you 1% cashback after the 5% cashback promotion, which is limited to your first $1,500 combined purchases. So after that, it will just go down to 1% unlimited cashback, and the card has got amazing customer service. Also, there $150 joining bonus, and the cashback reward won’t expire until you close the account.
Savor Credit Card
If you happen to love entertainment and this alternative credit card will definitely benefit you. This is for people who go out and dine and buy tickets for concerts, shows, wrestling, etc. You will get unlimited 4 percent cashback on dining and entertainment using the savor credit card.
You will get a one-time $300 cash bonus, so double what the Chase Freedom card is giving you. But you need to spend $3,000 within 3 months. If you buy many concert tickets or sporting event tickets through Vivid Seats, you will get eight percent cashback.
This card has a $0 intro for the first year, and then it goes up to $95. The purchase APR and transfer APRs are high, as are all other credit cards have. But it’s an exciting credit card, that on top of all the benefits of this credit card, you will get 2% cashback at grocery stores and then 1% on all other purchases.
The Capital One customer service of this credit card is not up to the mark. The Chase Freedom card is much better than this one in the customer service part. But this is worth knowing if you are someone that goes out and parties and dines.
Wells Fargo Cash Wise Visa Card
With the Wells Fargo cash wise Visa card, you will get a $150 cash reward right now when you spend $500 in the first 3 months. This card has a low APR, according to them for 15 months and also provides cell phone protection. So the cost of protecting your device every month can actually be an important thing depending on what type of device you have.
The Wells Fargo cash wise Visa card gives you 1.5% cash rewards on purchases with no quarterly activations or category limitations. Also, there is a 1.8 percent cashback when you use Google pay or Apple pay in your first 12 months from account opening.
They have additional promotions like if you spend $5,000 over the course of 12 months, you’ll get $900 in cashback. This is additional over the 1.5 percent cashback and the 1.8% using Apple pay or any of the other benefits tied to your card. So that’s just like almost $1000 back in your pocket for a credit card that doesn’t have an annual fee for the first year.
Discover it Cashback Card
The first amazing thing about this Discover it cashback card is that it has no annual fee. They will also match any cashback earned during your first year without a limit. You’ll get five percent cashback every day on purchases at grocery stores, restaurants, and gas stations.
The maximum amount you can earn is the quarterly maximum. An additional cashback of 1% will be given for all purchases. Also, the 100% us-based customer service is great compared to all other cards.
When you look through the terms and conditions of any cashback credit card, you really want to keep in mind that a lot of the promotions they offer you will start to fade very quickly. After three months or six months, you will end up joining for another credit card. So you want to look for credit cards that have cashback offers from shopping, and you can consider Wells Fargo Cash Wise Visa Card.
Considering the Entertainment credit card, you will get 8% on sporting events only for a limited time. But it’s a great promotion if you have a lot of initial spending. If you want a card that’s there for you long-term, the Discover it cashback credit card would be my overall top pick. But this card might not be right for everyone, and you do need some good credit to get these credit cards.
So the next time you’re looking for a new credit card, make sure you consider all these options and pick one that is right for you.