Top Cash Back Credit Cards 2019 – Review New Offers and Deals
Cash Back Credit Cards are among the most competitive and highly sought after by consumers. This year we saw major card companies expand on the depth of the cash back promotions to feature rotating bonus opportunities by shopping at select retail stores, visiting online sites and tiered levels for restaurants an grocery stores. In 2019, it is all but certain that the level of competition for consumers who are searching for cash back credit cards will increase, which should elevate the promotions and offers in this category for the entire year.
Guide to the top rated cash back cards in 2019 – Top Cash Back Cards for The New Year
Rewards credit cards are credit cards that allow you to earn cash back when you swipe the card for your purchases at a store. These cash back rewards can be redeemed at anytime you want. You need to have a credit score of 690 – 850 in order to get approved for a cash back rewards card.
A Quick Guide to Finding the Top Cash Back Credit Card Offers
Cash back credit card offers are a dime a dozen these days, but if you’re careful about how you choose yours, you can yield considerably favorable results. Since you likely spend frequently with your plastic anyway, why not get a little something back in return?
Beating the Averages
Most cards give you one percent cash back on your annual purchases and beating that deal can get complicated. Some offer as much as five percent if you buy certain items or buy from categories that change, provisional to substantial spending. The best way to find the top cash back credit card and get it to really work for you is to really work its terms. Know what they are in advance and plan your spending around them without exception.
Review the Top New Cash Back Card Offers On Chase, Barclay, Discover, Citigroup, Capital One and American Express Cards in 2019 To Get The Best Deals
Categories and Expirations
Many cash back rewards are exclusive to purchases made in certain categories, such as gas and dining. It’s a good idea to think ahead about how you will meet the conditions of the card, because you can end up saving a lot of money and earning your rewards at the same time. Also, taking note of when your bonuses expire is a good idea. Although most give you plenty of time, you want to use them on your own terms, and not be rushed about it.
Strings Attached to Bonuses
The sign on bonus for cash back credit cards should be examined carefully. Most cards stipulate that you must meet a minimum purchase amount or they limit your opportunities with bonuses to the first few months after issue. The minimum amount can be as high as a few thousand dollars and you must spend that much in three months or less. A minority of cards will allow you to earn the bonus simply for completing your first purchase.
Many cash back rewards credit cards limit the amount consumers can earn in any given year. While this makes a lot of sense for the credit card companies, it can be disappointing to you, the card bearer. If, for example, you calculate an annual cash back bonus based on advertised rates alone, you may be expecting to earn a lot more than what is allowed. Most of these deals end up being favorable, just not as favorable as you might like.
Invest in Research
While cash back credit cards have a lot to offer you, if you fail to read the fine print on every prospect, you may not end up with the best deal. Research the cards by making your own chart based on spending requirements and stipulations to avoid the dizzying double talk. Knowing exactly what each card offers you and restricts you to is the best and only way to find the one that will work best for you.
Finding the top cash back credit card offer should pay off handsomely for you, by rewarding you for what you do anyway, which is buy things. Choose a card that complements your consumer profile and find yourself ahead in the spending game.
The following are the top 5 cash back rewards credit cards for 2019
1. Chase Freedom
Chase Freedom offers 5% cash back when you spend money on rotating categories. When your balance reaches a minimum of $500, you will be rewarded with a $150 cash back sign up bonus. To redeem the cash back bonus, you must opt in for the bonus category. Chase Freedom is ideal for people who want to apply a card that give them optimal cash back.
2. American Express Blu Cash Preferred Card
American Express Blu Cash Preferred Card is an every day rewards card that offers up to 6% cash back for grocery shopping. You will keep on getting reward with the 6% cash back until you have spent $6,000. Purchases made at a local gas station will get you a 3% cash back reward. It is worthwhile to sign up for the Blu Cash Preferred Card if you use the card to spend over $1,600 annually.
3. Citi Double Cash Card
Citi Double Cash Card offers 2% cash back rate but you only get 1% cash back instantly credited into your account when your card is swiped. The other 1% cash back will be credited to your account when you settle the repayment for the balance of the card in full. The cash back can be redeemed as a statement credit or in the form of a gift card. You can also request that they send the cash back rewards via check.
4. Discover It
Discover It offers a 5% cash back when you use your card at rotating bonus categories such as local restaurants, online stores and gas stations. You can also get 5% – 20% cash back when you use your Discover It card to shop at the Discover Deals online store. If you are late for making payment in the first month, you won’t get charged with a late payment fee. Discover It card features a Cashback Match program where the cash back that new members earn in the year will get matched at the year end.
5. Capital One Quicksilver Cash Rewards
Capital One Quicksilver Cash Rewards credit card offers unlimited 1.5% cash back rewards for all purchases. You don’t have to meet any rotating bonus category in the Capital One Quicksilver Cash Rewards credit card. It offers a $100 cash back rewards when you meet the minimum spending of $500 within 3 months. It offers a 9 months zero percent intro period.
Upromise World Mastercard
Citi Thank You Preferred Card
Citi Dividend Platinum Select Card
American Express Costco Card
Chase Saphire Card