Cash-Back-Credit-Cards.info

To be listed on this site, a credit card must have:

• no sign-up fee
• no annual fee (or easily avoided)
• a rebate or cashback award system

So, you can rest assured they each have their charm.  If in doubt, just apply for all of them! (I mean, if your personal credit rating can handle it, why not?)

If you are going to apply for multiple cards, its best to do them all at the same time. Good luck!

Each of the cards listed here serves a specific purpose in earning you cash back, and you really ought to have all of them. Anybody who wants to beat the system (I mean, get the best cash back possible in all situations) should have each of these cards in their wallet and know when to use them. Just ask anybody who has one or more of these cards and they will tell you (with a gleam in their eye) how they much they love earning 'free money'.  I personally have received over $2000 of cash back (or free gas) by using these cards (or their predecessors) over the past 8 years. (Yes two thousand, that is not a typo.  You probably spend more on your credit cards than you realize.)

      
Citi® Dividend Platinum Select® Card / AT&T Universal Cash® Card
		(these 2 cards are pretty much the same...)
5% cash back at supermarkets, drugstores, and gas
(also 1% off everything, but best to use another card for that)
- paid in $50 chunks upon request, max $300 per year
(because of $300 limit, I suggest you get both cards)
	MORE INFO	/ AT&T Card no longer available


Chase® Profit® Credit Card
3% cash back at restaurants (with no yearly maximum)
(you can choose differently, but I recommend to use it for restaurants)
	THIS CARD HAS BEEN DISCONTINUED BY CHASE 3/7/05


Chase® PerfectCard®
1% cash back on everything (with no yearly maximum)
- and 3% cash back on all gas (6% for first 90 days!)
- this is a good card to make your 'main' one since there is no maximum benefit
- you should also use it for gas in the first 90 days, and later if you reach
the maximum benefit on the 5% gas cards
	MORE INFO



Discover® Card
Up to 2% on everything (if you redeem using Cashback Bonus Partners)
	0.25% (x2) on the first $1500
	0.50% (x2) on the next $1500
	1% (x2) on the remaining net purchases, each year
- redeemable in $20 increments, which you can double by selecting gift cards
from specific partners such as Blockbuster®, Hollywood Video®, Lobster Gram®
- they often have promotions for $5 or 5% cashback bonus on specific categories
(groceries, restaurants, health clubs, bookstores, education...) which are
also eligible for doubling!
- so, this is a really good card if you pay attention to the promotions
	APPLY NOW

Toys R Us Visa®
5% on Toys R Us or Babies R Us purchases
- payment via $10 coupons which must be used on future store purchases
	APPLY NOW


Amazon.com Platinum Visa®
3% on Amazon.com purchases
1% on everything else
- payment via $25 Amazon.com Reward Certificates
Plus, $20 discount off your first Amazon.com purchase using the card!
	APPLY NOW using the banner below



Target Visa
- get 10% entire purchase on the day you sign up
- get more 10% offers for store or online
- cash back goes to a local school of your choice
	APPLY NOW (sorry no link)



American Express Blue Cash
- Amex is the only card accepted at Costco
- so if you need an American Express card, this is the one
	APPLY NOW
(you may also consider the Costco True Earnings card, but you need a
Costco membership to get that...)

Chase Ultimate Cash Award MasterCard
- up to 1.5% off everything:
	0.25% for the first $2,000, 
	0.50% for $2,000.01 - $6,000 and 
	1.50% for net purchases in excess of $6,000.01
- so you need to spend $13k per year in order to get 1%
(then will slowly increase after that)
	MORE INFO

Shell Mastercard from Citi
5% off shell gas
1% off everything else
no max benefit