5 Credit Card Offers to Earn Cash Back for Every Day Purchases.

Cash back credit cards are a great way to earn rewards on everyday purchases. By using cash back credit card for your everyday spending, you can earn cash back, points, or other rewards that can be redeemed for statement credits, merchandise, or travel. These rewards can help offset the cost of purchases or even provide a source of extra income. In addition to earning rewards, cash back credit cards often offer other benefits such as purchase protection, extended warranty, and price protection. Moreover, using cash back credit card responsibly can help you build credit history, which can be beneficial in the long run. In this article, we will be discussing five cash back credit card offers that are particularly well-suited for earning cash back on everyday purchases. Each card has its own unique rewards structure and benefits, so it's important to compare them to find the best fit for your spending habits and financial goals.

1. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is a great option for those looking to earn cash back on all of their everyday purchases. This card offers a flat 1.5% cash back on all purchases, with no annual fee. Additionally, this card has a sign-up bonus of $200 cash bonus once you spend $500 on purchases within 3 months from account opening. The cash back rewards can be redeemed in the form of statement credit, check, or bank deposit. Redemption is easy and can be done online or by phone. This card also offers Capital One's standard suite of benefits such as extended warranty, purchase protection and travel accident insurance. One thing to note is that this card has a variable APR, which means that the interest rate can change depending on market conditions. So if you plan to carry a balance, it's important to check the current interest rate before applying. Overall, the Capital One Quicksilver Cash Rewards Credit Card is a solid choice for anyone looking for a simple, straightforward cash back rewards program with no annual fee.

2. Citi Double Cash Card

The Citi Double Cash Card is another great option for those looking to earn cash back on all of their everyday purchases. This card offers 2% cash back on all purchases, with no annual fee. The unique feature of this card is that cardholders earn 1% cash back when they make a purchase and additional 1% cash back when they pay for those purchases. This means that cardholders are incentivized to pay off their balance in full each month, as paying interest can negate the rewards earned from cash back. The cash back rewards can be redeemed in the form of statement credit or check. Redemption is easy and can be done online or by phone. This card also offers Citi's standard benefits such as extended warranty, purchase protection, and travel accident insurance. Like the Capital One Quicksilver card, this card also has a variable APR, so it's important to check the current interest rate before applying if you plan to carry a balance. Overall, the Citi Double Cash Card is a great option for anyone looking for a cash back rewards program that rewards them for paying off their balance in full each month, with no annual fee.

3. Chase Freedom Flex

The Chase Freedom Flex is a cash back credit card that offers cardholders the opportunity to earn 5% cash back on rotating categories (such as gas stations, grocery stores, and online shopping) up to $1,500 in combined purchases each quarter. In addition to this, cardholders also earn 1% cash back on all other purchases. This card does come with an annual fee of $0, however, it has a sign-up bonus of $200 after you spend $500 on purchases in your first 3 months from account opening. The 5% cash back categories rotate every quarter, so it's important to keep an eye out for the current categories and plan your spending accordingly. The cash back rewards can be redeemed in the form of statement credit, direct deposit, or gift cards. This card also offers Chase's standard benefits such as extended warranty, purchase protection, and travel accident insurance. The Chase Freedom Flex card also comes with a 0% intro APR on purchases for 15 months, which is a great option for those who plan to make a big purchase and pay it off over time without paying interest. Overall, the Chase Freedom Flex is a great option for anyone who is willing to keep track of the 5% cash back categories and plan their spending accordingly, in exchange for the potential to earn higher rewards on certain purchases.

4. Discover it Cash Back

The Discover it Cash Back is a cash back credit card that offers cardholders the opportunity to earn 5% cash back on rotating categories (such as gas stations, grocery stores, and online shopping) up to $1,500 in combined purchases each quarter. In addition to this, cardholders also earn 1% cash back on all other purchases. This card does come with an annual fee of $0, however, it has a sign-up bonus of $150 after you spend $500 on purchases in your first 3 months from account opening. The 5% cash back categories rotate every quarter, so it's important to keep an eye out for the current categories and plan you’re spending accordingly. The cash back rewards can be redeemed in the form of statement credit, direct deposit, or gift cards. One of the unique features of this card is that at the end of the first year, Discover will match all cash back earned. This means that if you earned $100 in cash back rewards during your first year, Discover will add an additional $100 to your rewards balance. This card also offers Discover's standard benefits such as extended warranty, purchase protection, and travel accident insurance. The Discover it Cash Back card also comes with a 0% intro APR on purchases for 14 months, which is a great option for those who plan to make a big purchase and pay it off over time without paying interest. Overall, the Discover it Cash Back is a great option for anyone who is willing to keep track of the 5% cash back categories and plan their spending accordingly, in exchange for the potential to earn higher rewards on certain purchases and an added bonus of cash back matching at the end of the first year.

5. US Bank Cash+ Visa Signature Card

The US Bank Cash+ Visa Signature Card is a cash back credit card that offers cardholders the flexibility to earn higher cash back rewards on specific categories of their choice. Cardholders can earn 5% cash back on two categories of their choice, 2% cash back on one everyday category of their choice and 1% cash back on all other purchases. This card does come with an annual fee of $0, however, it does not have a sign-up bonus. The categories that are eligible for the 5% and 2% cash back rewards change every quarter, and cardholders have to choose the categories they want to earn rewards on. The cash back rewards can be redeemed in the form of statement credit, direct deposit, or gift cards. This card also offers US Bank's standard benefits such as extended warranty, purchase protection, and travel accident insurance. The US Bank Cash+ Visa Signature Card also comes with a 0% intro APR on balance transfers for 12 billing cycles from the date the account is opened, which is a great option for those who plan to transfer a balance from another card and pay it off over time without paying interest. Overall, the US Bank Cash+ Visa Signature Card is a great option for anyone who is looking for a cash back credit card that offers flexibility to choose their own categories for higher rewards, and want to earn additional rewards on everyday purchases.

Comparison and Conclusion

When comparing the rewards and benefits of the credit cards mentioned above, it's important to consider your spending habits, financial goals and the type of rewards you prefer. The Capital One Quicksilver Cash Rewards Credit Card is a great option for those who are looking for a simple, straightforward cash back rewards program with no annual fee. It earns 1.5% cash back on all purchases and has a sign-up bonus of $200. The Citi Double Cash Card is a great option for anyone looking for a cash back rewards program that rewards them for paying off their balance in full each month, with no annual fee. It earns 2% cash back on all purchases, 1% when you make a purchase and 1% when you pay it off. The Chase Freedom Flex is a great option for anyone who is willing to keep track of the 5% cash back categories and plan their spending accordingly, in exchange for the potential to earn higher rewards on certain purchases. It earns 5% cash back on rotating categories (such as gas stations, grocery stores, and online shopping) up to $1,500 in combined purchases each quarter, as well as the 1% cash back on all other purchases and a sign-up bonus of $200. The Discover it Cash Back is a great option for anyone who is willing to keep track of the 5% cash back categories and plan their spending accordingly, in exchange for the potential to earn higher rewards on certain purchases and an added bonus of cashback matching at the end of the first year. It earns 5% cash back on rotating categories (such as gas stations, grocery stores, and online shopping) up to $1,500 in combined purchases each quarter, as well as the 1% cash back on all other purchases and a sign-up bonus of $150. The US Bank Cash+ Visa Signature Card is a great option for anyone who is looking for a cash back credit card that offers flexibility to choose their own categories for higher rewards, and want to earn additional rewards on everyday purchases. It earns 5% cash back on two categories of your choice, 2% cash back on one everyday category of your choice and 1% cash back on all other purchases. Overall, the best option for you will depend on your spending habits and financial goals. It's important to review each card's rewards and benefits, as well as any fees associated with the card, before making a decision.