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If you’re not the type to run up a balance on a credit card, that’s great! But it doesn’t mean you should avoid credit cards altogether. It means that you can get in on the benefits of credit cards without the worry of expensive debt — if you use them strategically.
Some cards are especially good at rewarding you for purchases you would be making anyway — like food and fuel — or planned spending for Mother’s Day or spring travel. Here are three of our favorite cash-back cards right now. See which one best fits your lifestyle.
Capital One Quicksilver Cash Rewards
Why we like it: This is a great all-around credit card with 1.5% cash back on every purchase. It also offers a $200 cash bonus after you spend just $500 within the first three months of opening the account.
What to know:
- Get 1.5% cash back on every purchase — no limits, and no expiration on cash-back rewards for the life of the account.
- Get a $200 statement credit after spending $500 on the card within the first three months.
- Pay 0% APR on purchases and balance transfers within the introductory 15-month period.
- No annual fee.
- No foreign transaction fees.
Click here for more details and compare it with other offers.
Chase Freedom Unlimited
Why we like it: With no annual fee to worry about, the Chase Freedom Unlimited card is a top-tier choice for grocery or general cash-back rewards, offering at least 1.5% cash back on every purchase and more in certain categories. You also earn an extra 1.5% cash back on every purchase on up to $20,000 spent in the first year. For example, that extra 1.5% would boost the 5% cash back normally available for travel up to 6.5%.
What to know:
- 5% cash back on travel-related purchases through Chase.
- 3% cash back on dining at restaurants and on drugstore purchases.
- 1.5% cash back on every other purchase.
- No expiration on cash-back rewards.
- 0% introductory APR on purchases for 15 months, then a variable rate of 17.24% to 25.99%.
- No annual fee.
Note: This card has a foreign transaction fee, so plan accordingly for international travel.
Click here for more details and compare it with other offers.
Blue Cash Preferred from American Express
Why we like it: For a low annual fee, the Blue Cash from American Express Card offers an easily attainable introductory offer worth $350, plus as much as $360 back on groceries each year. And that’s before you start racking up rewards from your travel, entertainment and every thing else.
What to know:
- Earn a $350 statement credit when you make $3,000 in purchases during your first six months.
- Earn 6% back on up to $6,000 spent at U.S. supermarkets each year.
- Earn 6% back on select streaming subscriptions.
- Earn 3% back on transit purchases and gas.
- Earn 1% back on other purchases.
- $95 annual fee. (See rates and fees)
Note: This card has a 2.7% foreign transaction fee (after converting to U.S. dollars).
Click here for more details and compare it with other offers.
See rates and fees for Blue Cash Preferred from American Express.
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