In the past, categories have included gas stations, restaurants, supermarkets, department stores and home-improvement stores. Permanent categories. Other cash-back cards have bonus categories that don't change. Other flat-rate cards. However, some of those cards offer nifty cash bonuses that the Citi card does not. Need more information to help you compare your cash-back credit card options?
Our best credit cards page can help. Returns can be even better if you use it in conjunction with a bonus-categories card. The rewards structure gives you an incentive to pay off your charges as quickly as possible.
You can also get your cash back as a direct deposit into a bank account or as a paper check. Its value comes with the higher rate it pays on every purchase. Excellent credit is generally defined as a score of or better. But a credit score alone isn't enough to qualify for any credit card. Issuers take into account your income, existing debts and other information. Our Take 5. The scoring formula takes into account the type of card being reviewed such as cash back, travel or balance transfer and the card's rates, fees, rewards and other features.
Jump to: Full Review. Apply Now. Annual fee. Recommended Credit Score. See your approval odds. To earn cash back, pay at least the minimum due on time. After that, the variable APR will be Global Services. Get emergency assistance anytime, anywhere and in any language. This includes reporting a lost or stolen card, obtaining an emergency card replacement or cash advance, finding an ATM and answering questions on your account.
ID Theft Protection. You can opt in to this service that monitors your credit file for changes that could indicate fraud, sends you emergency alerts and can assign you a resolution specialist if fraud is detected. Earn Unlimited 2x miles on every purchase, every day. Partner Offer. On American Express's Secure Website. On Chase's Secure Website. Is The Card For You? Was this article helpful? Share your feedback. Send feedback to the editorial team. Rate this Article. Thank You for your feedback!
Something went wrong. Please try again later. Find the Best Credit Card. Trending Credit Card Reviews. Recommended Reading. You May Also Like. Designed for businesses with over a million dollars in annual sales, the offers a fairly standard set of perks those paying a could expect. The card e The is a mid-tier premium credit card offering bonus rewards on travel and restaurants.
Overall, rewards are similar to other mid-tier premium credit The , from our partner, Citi, is a good choice for anyone who wants to earn miles in the AAdvantage program and score some basic perks, like preferred Extra, Extra! It can be rough sailing to find a credit card that earns decent cash-back rewards if you just have average credit.
But members of Navy Federal Credit For those whose credit may not qualify them for a top-of-the-line rewards card, the may be a palatable alternative. The card is designed for those wit Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities.
For example, points redeemed for gift cards might yield a value of 1 cent each, while shopping at Amazon. You can choose to transfer your ThankYou points to more than a dozen travel partners, mostly at a ratio. This is a way for savvy travelers to earn outsize value for their points. But since the majority of the transfer partners are foreign airline carriers, the average traveler may not be interested. The only domestic transfer option is JetBlue, and points transfer at a ratio of In such cases, options offered may not be common expense categories for you and therefore may not match up with your spending.
That's because other such cards typically require you to activate your bonus categories, which means you have to remember to activate your rewards every quarter.
Additionally, because rewards on many other cards do not automatically adjust each billing cycle, it can be difficult to keep track of how your spending habits may change from one quarter to another. This long interest-free window allows you extra time to pay down a large purchase or debts transferred from other cards. The U. If you have to pay close attention to how much you're spending in certain categories each month, the card becomes higher maintenance for you in order to maximize your earnings.
The aforementioned U. To see other credit card offers, check out NerdWallet's best credit cards. Although cardholders will be able to easily earn high rewards in useful categories like dining and groceries, the billing cycle spending cap limits how much can be earned with the card. Our Take 4. The scoring formula takes into account the type of card being reviewed such as cash back, travel or balance transfer and the card's rates, fees, rewards and other features.
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