The Bank of America Cash Rewards credit card is one example of such a card. You'll earn an unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Valid till 28 Dec 2020. And if you only have a credit card that earns flat-rate cash back like the Citi Double Cash Card, then you can’t go wrong using your card on all everyday expenses for a sizable 2% cash back (1% when you buy, plus 1% as you pay) on your transactions across the board. Terms apply to the offers listed on this page. Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 6 months of account opening. 3. This way, you can earn cash back while financing large purchases — just make sure you’re paying off your balance before the end of the intro APR period to avoid paying interest. Some entrepreneurs use Other Income as the affected account. Visa Online Rebate Promo . This converts into an effective 2x ThankYou Point earning rate on all purchases. This is a given regardless of what type of credit card you have. ALL RIGHTS RESERVED. With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories. Sign-up bonus: $750 cash back after you spend $7,500 on purchases in the first three months of account opening. 3x points on dining, travel, gas stations and select streaming services, Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Unfortunately, you won’t earn a sign-up bonus with this card, but the long-term value it offers still makes the card worth it in my eyes. At TPG, we try to make the research process as simple as possible. Apply Now. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. The following cards can be good options, but I’ve left them off the main “best cash-back cards” list due to their membership requirements: The information for the Fidelity Rewards Visa, Sam’s Club Mastercard, USAA Cashback Rewards Plus American Express® Card and Amazon Prime Rewards Visa Signature has been collected independently by The Points Guy. A RED VENTURES COMPANY. Einige Kreditkarten bieten weitere Zusatzleistungen, wie etwa Reiseversicherungen (American Express Green Card) oder eine kostenlose Amazon Prime-Mitgliedschaft (Amazon Visa Kreditkarte). Includes eligible pick-up and delivery services. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. 5% cash back on the first $25,000 spent in combined purchases at office supply stores, on cellular phone, landline, internet and cable TV services each account anniversary year, $200 cash bonus after spending $1,000 in purchases within 90 days of account opening, 3% cash back in the category of your choice monthly (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings), 2% cash back on all purchases (1% when you make purchases, 1% when as you pay your bill). $150 statement credit once you spend $1,000 in the first three months of account opening. This card also currently earns 4% back on select streaming services (through April. Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 6 months of account opening. But if you’re looking for an easy way to earn rewards that can be used for anything, cash can be the best option. 4% cash back on dining and entertainment; 2% at grocery stores. (Optional) On the left-panel menu, click Accounting and go the Chart of Accounts tab. Promo runs from October 16, 2020 to December 31, 2020. 2 Ausserdem profitierst du in den ersten 3 Monaten von einem Startbonus von bis zu 100 CHF! Bei Kreditkarten mit Bonusprogramm gibt es keine direkten Auszahlungen. Sometimes you don’t need your credit cards to award you airline miles so you can fly to an exotic location in first-class. 0,00 € im 1. integral role in my overall credit card strategy, 12 discounted gift cards you can buy online today, American drops 4 international cities, adds domestic flights in major route shakeup, Targeted: Earn 30,000 points by referring others to this Amex card — and they’ll get up to 250,000 points, too. Just remember that it charges a 2.7% foreign transaction fee (see rates and fees), so while it’s a great option for use in the U.S., you shouldn’t use it when you’re traveling abroad. Here are the best credit cards for each type of spending. Sign-up bonus: $200 cash-back bonus after you spend $1,000 within the first 90 days of account opening. Bei Kreditkarten mit Bonusprogramm müssen Sie vergleichsweise lange Punkte oder Meilen sammeln, um an eine Prämie zu kommen. No minimum spend! Cardholders can now convert the cash back they earn to ThankYou Points via a linked ThankYou card such as the Citi® Prestige and Citi® Premier Card. (Indirect Cashback) S$1 = 1 point, 32,000 points = S$100 cash credit, equivalent to 1.56% cash back. Cash-back cards have played an integral role in my overall credit card strategy, helping me offset the cost of travel expenses that points and miles don’t cover. What makes this card even better is it earns an unlimited 2% cash back on every purchase. Das klingt sehr verlockend! Here are a few common types and the advantages of each: Flat-rate: These are cards that earn the same rewards rate across all spending. Get your DBS/POSB Credit Card with promo code FLASH300. Cash back rate: 3% cash-back in the category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement and furnishings) and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined bonus category purchases each quarter (then 1%). For example, 60,000 points are worth $750 toward travel. Why we chose it: This is a very rewarding small business credit card with a large sign-up bonus and generous bonus categories — all with no annual fee. After the promotional period ends, you earn 0.50% to 3% cash back depending on your purchases. We may receive compensation when you click on links to those products. Points and miles can often be redeemed at a far greater value than just 1 cent per point. Sometimes your business might need that extra cash for other expenses. Please view our advertising policy page for more information. The card details on this page have not been reviewed or provided by the card issuer. Eine passende Cashback-Kreditkarte sollte also an Ihre Konsumpräferenzen angepasst sein. If you currently have a credit card with an annual fee that you aren’t able to maximize anymore given changes in your spending habits, then you can always call your issuer and ask if there is an option to downgrade to a no-annual-fee alternative. While transferable points can be more valuable, it can be incredibly time-consuming to extract that extra value. Chase Ink Business Cash Credit Card. If you have an Ultimate Rewards credit card, such as the Chase Sapphire Preferred Card or Chase Sapphire Reserve, you can combine rewards and take advantage of 25% to 50% Chase travel portal redemption bonuses and transfer partners. Die Bonusprogramme gelten oft nur für bestimmte Händler. How to earn it: Spend $7,500 in the first 3 months of account opening. Now more than ever, non-travel redemption options are valuable and necessary for many cardholders. Why we chose it: In addition to a great bonus and earning structure, the Chase Freedom Unlimited offers a 0% APR introductory period for 15 months on new purchases (14.99%–23.74% variable APR applies after). 20,000 points worth $200 with $1,000 in spending in the first 3 months of account opening. While we tout points as the most valuable currency out there most of the time, it’s never a bad idea to have a cash back credit card in your collection that can earn rewards in your most frequent spend categories. If your spending habits change throughout the year, the Bank of America Cash Rewards card should definitely be on your radar. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. Another draw to the card is the potential for a low annual fee. Also, when it comes to travel credit cards, the rewards can often only be used for travel — and you might not be doing a lot of that right now. Blue Cash Preferred Card from American Express review. You can have a card for each or even a card that does a little bit of both. T&Cs apply. Chase is well known for its Ultimate Rewards cards – some of the most popular travel and cash back cards on the market. Rediscover Singapore. Featured image by Isabelle Raphael/The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. But for many, cash back is king — and there’s nothing wrong with that. 1% Rebate, No Debate. Da manche Kreditkarten ihr Cashback-Programm auf bestimmte Partnerunternehmen oder Handelsketten beschränken, profitieren Sie nur dort von entsprechenden Rabatten. Issuers may offer additional cash back rewards for spending on select purchases. Back is king — and there ’ s great potential for earned rewards at 3.4 % on! 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