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Most cash back credit cards let cardholders earn between 1% and 2% cash back. The best cash back credit cards have higher earn rates for at least one or two spending categories. 6. Do cash back credit cards come with sign-up bonuses? There are some cash back credit cards that offer a sign-up bonus. Click to Play!

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And cash-back cards in particular generally don’t require spending too much to earn their welcome offers. Chase Freedom Unlimited. Current welcome bonus: Earn $150 cash back after spending $500 within the first 3 months. The bonus isn’t available to those who currently have this card or have received a new cardmember bonus for this credit. Click to Play!


Best Cash Back Credit Cards of 2019: Top Offers - bonus-deposit-casino.website


Step. Click "Cashback Bonus" and browse through the options for redeeming your bonus. Customers with cashback bonuses between $20 and $50 can choose from a gift card with a partner retailer, a Discover gift card, merchandise or charity donations.
See the many ways you can redeem your Discover card Cashback Bonus. With so many ways to redeem, what will you get back with your Cashback Bonus? Redeem Cash Back Rewards | Discover Card
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One of the many benefits of insuring with iWYZE is the guarantee of top cash rewards – and in the case of the iWYZE General Cash Back Bonus, that means a refund of 10% of all of your iWYZE insurance premiums (excluding your Buildings insurance premiums) and more cash back in your pocket!
Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening; Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
Bonus category cards: If you have the flexibility to adjust your purchasing habits every few months, a bonus category cash back card may be for you. Bonus categories rotate multiple times a year, usually every quarter, earning high-rate rewards on things like gas, supermarkets, and restaurants.



11 Best “Signup Bonus” Credit Cards for 2019


what are cash back bonuses
A cashback reward program is an incentive program operated by credit card companies where a percentage of the amount spent is paid back to the card holder. Many credit card issuers, particularly those in the United Kingdom and United States, run programs to encourage use of the card where the card holder is given points, frequent flyer miles or a monetary amount.
Earning that cash back is easy, as the card offers 5% cash back bonus categories that rotate each quarter. When you activate your bonus, you’ll earn 5% cash back on up to $1,500 in bonus purchases in categories like gas, groceries, and Amazon.com. Honorable Mentions: Both of Discover’s student cards offer the same Cash Back Match bonus, so.

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Best Cash Back Credit Cards by Eric Rosenberg Updated May.
There are often many considerations to be made when looking for the right cash back credit card, including which categories earn you the most cash back, redemption options, and annual fees.
Using a rigorous approach to calculate how much your everyday spending can earn you, we identified which credit cards would get you the best bang for the buck.
In picking our winners, we estimated how much a typical cash back credit card user can expect to get winning money at online poker rewards each year.
To make the comparison experience more transparent, we show the total cash back you can expect to get from each of the cards per year.
See More Benefits Your credit card should pay you.
If you want to earn cash back from every dollar you spend, the best option is Costco Anywhere Visa® Card by Citi.
This card does not have complicated rotating categories.
Instead, it offers compelling cash back on everyday purchases all year.
Get 3% cash back on restaurant and eligible travel purchases.
Get 2% cash back at Costco and Costco.
And earn 1% cash back on all other purchases.
As a bonus, get 0% APR for the first 7 months after opening a new account.
This card is loaded with cash back opportunities.
It has no annual fee with a paid Costco membership.
Things to Consider This card offers compelling cash back, but is designed for Costco members.
Also be aware that not all gas and restaurant purchases count for bonus points.
For example, gas stations at a supermarket or winning money at online poker store like Safeway or Walmart are treated as retail purchases, not gas purchases.
After the introductory period, this card has 17.
With cash back up to 4%, this card is a real winner.
Whether you are a loyal Costco shopper or are considering it, this is the best card for cash back today.
If you want to earn cash back from every dollar you spend, the best option is Costco Anywhere Visa® Card by Citi.
This card does not have complicated rotating categories.
Instead, it offers compelling cash back on everyday purchases all year.
Get 3% cash back on restaurant and eligible travel purchases.
Get 2% cash back at Costco and Costco.
And earn 1% cash back on all other purchases.
As a bonus, get 0% APR for the first 7 months after opening a new account.
This card is loaded with cash back opportunities.
It has no annual fee with a paid Costco membership.
Things to Consider This card offers compelling cash back, but is designed for Costco members.
Also be aware that not all gas and restaurant purchases count for bonus winning money at online poker />For example, gas stations at a supermarket or super store like Safeway or Walmart are treated as retail purchases, not gas purchases.
After the introductory period, this card has 17.
With cash back up to 4%, this card is a real winner.
Whether you are a loyal Costco shopper or are considering it, this is the best card for cash back today.
Most will have mediocre earnings potential.
With this card, you will earn 1.
There is no limit to the amount of cash back you can earn.
Plus, you will not need to keep track of rotating bonus categories like other cards require.
Depending on your credit score, you might have a fairly low credit line when you first get this card.
Once you make your first five month payments on time, Capital One will increase your credit line.
This can quickly have positive effects on your credit score.
The big thing to be aware of is that the card has a variable purchase APR of 26.
This will help you avoid any interest charges.
You will earn a generous cash back rate and you will be given the tools to build your credit score.
This will help you move into an even better product in the future.
Most will have mediocre earnings potential.
With this card, you will earn 1.
There is no limit to the amount of cash back you can earn.
Plus, you will not need to keep track of rotating bonus categories like other cards require.
Depending on your credit score, you might have a fairly low credit line when you first get this card.
Once you make your first five month payments on time, Capital One will increase your credit line.
This can quickly have positive effects click here your credit score.
The big thing to be aware of is that the card has a variable purchase APR of 26.
This will help you avoid any interest charges.
You will earn a generous cash back rate and you will be given the tools to build your credit score.
This will help you move into an even better product in the future.
Benefits Bank of America® checking or savings account holders who are Preferred Rewards clients should take serious notice of the Bank of America® Cash Rewards credit card, as they could receive a 25%-75% bonus when they redeem their cash back directly to their account.
Everything else you spend on will result in unlimited 1% cash back.
The penalty APR is up to 29.
Our Verdict Overall, the Bank of America® Cash Rewards credit card will offer you sizeable cash back returns for your everyday purchases, supplemented with low fees and interest rates, as well.
After the intro APR offer ends, 16.
Everything else you winning money at online poker on will result in unlimited 1% cash back.
The penalty APR is up to 29.
Our Verdict Overall, the Bank of America® Cash Rewards credit card will offer you sizeable cash back returns for your everyday purchases, supplemented with low fees and interest rates, as well.
Benefits There are no hoops to jump through to earn cash back with the Capital One® Nc in slot are legal machines Cash Rewards Credit Card.
A 15 month, 0% introductory APR on both purchases and balance transfers, combined with the above cash back offers, gives you the chance to squeeze tons of benefit out of this card within your first year with it.
Things to Consider Even with all these benefits packed into the Capital One® Quicksilver® Cash Rewards Credit Card, it does lack bonus cash back categories.
Obviously you can earn quite a bit with just the 1.
That featured perk, on top of what most other cash back cards offer as well, makes this card a prime choice for cash back fans.
A 15 month, 0% introductory APR on both purchases and balance transfers, combined with the above cash back offers, gives you the chance to squeeze tons of benefit out of this card within your first year with it.
Things to Consider Even with all these benefits packed into the Capital One® Quicksilver® Cash Rewards Credit Card, it does lack bonus cash back categories.
Obviously you can earn quite a bit with just the 1.
That featured perk, on top of what most other cash back cards offer as well, makes this card a prime choice for cash back fans.
Benefits Keeping track of rotating categories and travel rewards programs can be a lot of work.
If you just want to keep it simple and earn a flat 2% cash back everywhere you shop, Citi® Double Cash Card is your answer.
Get 1% cash back on every purchase you make and an additional 1% when you pay your bill.
That is essentially 2% cash back on every purchase you make!
This card has no annual fee.
Things to Consider After a 0% APR introductory period, this card has interest rates between 15.
If you carry a balance month-to-month, interest charges will likely outweigh the cash back benefit.
There is also a 3% foreign transaction fee, so the card is not free to use when traveling abroad.
Our Verdict If you just want simple, flat-rate cash back, this is the best card available today.
Few cards offer such compelling cash back rewards, particularly with no annual fee.
The card also waives your first late fee, which is a benefit if you struggle with staying on top of your bills.
This is a card that just works.
If you want 2% cash back on every purchase, this card is a winner.
After that, the variable APR will be 15.
If you just want to keep it simple and earn a flat 2% cash back everywhere you shop, Citi® Double Cash Card is your answer.
Get 1% cash back on every purchase you make and an additional 1% when you pay your bill.
That is essentially 2% cash back on every purchase you make!
This card has no annual fee.
Things to Consider After a 0% APR introductory period, this card has interest rates between 15.
If you carry a balance month-to-month, interest charges will likely outweigh the cash back benefit.
There is also a 3% foreign transaction fee, so the card is not free to use when traveling abroad.
Our Verdict If you just want simple, flat-rate cash back, this is the best card available today.
Few cards offer such compelling cash back rewards, particularly with no annual fee.
The card also waives your first late fee, which is a benefit if you struggle with staying on top of your bills.
This is a card that just works.
If you want 2% cash back on every purchase, this card is a winner.
However, you could receive a variable APR of 17.
After that earn 1.
If a balance is transferred a fee of 3% of the amount transferred min.
However, you could receive a variable APR of 17.
Overview A hassle-free 1.
Purchases and balance transfers both receive an introductory offer of a 0% APR for 12 months, as well as no annual fee or penalty APR.
Purchases and balance transfers both receive an introductory offer of a 0% APR for 12 months, as well as no annual fee or penalty APR.
Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace.
Our system evaluates cards based exclusively on their features, such as their rewards earning rate if applicablefees, perks, and rewards program redemption options.
The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets.
These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders.
Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers.
Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.
Cash Back Credit Cards: Everything You Need to Know The Basics Rewards cards offer consumers incentives for using their credit cards to make purchases.
A credit card company may give cardholders the chance to earn points or miles that they can use to book flights or pay for travel-related expenses.
Or it may reward cardholders with cash back.
That means you can get paid just for shopping with a credit card.
With a cash back credit card, a small percentage of what you spend is returned to you in the form of cash rewards, points or statement credits.
Looking for the best cash back credit card for your lifestyle?
Read on to learn about the kinds of cash back credit cards that are available to consumers and what to consider before applying for a card.
Types of Cash Back Credit Cards There are three kinds of cash back cards that vary in terms of the way they provide rewards: bonus category credit cards, flat-rate cash back credit cards and tiered cash back credit cards.
Bonus category credit cards have higher rewards rates that apply to categories that rotate on a regular basis usually quarterly.
Flat rates apply to all other types of purchases.
One month, you may get 4% cash back on the products you buy at the grocery store and 1% cash back on everything else.
A few months later, you may earn 4% cash back on travel expenses and 1% on top of other regular credit card transactions.
For instance, you may earn 3% cash back whenever you spend money at restaurants and 1% cash back on all other standard purchases.
Gas cards often fall under the category of tiered cash back cards.
They tend to offer more cash back when consumers buy gas and pay for auto repairs in some cases.
A third type of cash back credit card is a card with a flat rewards structure.
For example, a credit card may give you 1% cash back on every purchase you make.
Co-branded credit cards may vary in terms of the way they offer rewards.
These credit cards have more than one sponsor, such as a grocery store and a credit card company like Visa or Mastercard.
Quite a few co-branded credit cards have a tiered rewards structure with a higher cash back percentage for spending in specific categories.
Redeeming Cash Back Credit Card Rewards Rewards you earn with a cash back credit card may be redeemed in multiple ways.
Checks may be disbursed slot machines s are rigged or whenever your rewards balance reaches a certain threshold.
Or you may be able to cash out at any time.
Some cash back credit cards provide cash back that can only be exchanged for statement credits.
These credits will appear on your credit card statement.
You can use them to pay off outstanding balances in your credit card account.
Once you earn enough cash back rewards, your credit card issuer may allow you to trade them in for points that you can redeem for prepaid gift cards, statement credits, merchandise and travel.
If you find yourself in that situation, you could ask to receive your cash back as gift cards during the holiday season and have your rewards deposited into your account during other times of the year.
The Benefits of Cash Back Credit Cards There are many reasons why you should consider applying for a cash back credit card.
When it comes to redeeming rewards, cash back cards offer more flexibility than credit cards that provide airline miles or points.
You could use the cash rewards you earn to knock out debt and meet other financial goals.
You could even use your cash rewards to pay for travel expenses that you might not be able to cover using the rewards from a travel credit card.
Another great thing about cash back credit cards is the fact that there are usually no surprises.
Unless you have a credit card with rotating bonus categories, rewards rates are usually fixed.
If you qualify for one of the best cash back credit cards, you could earn as much as 5% or 6% back for purchases within certain categories.
You may earn as much as 20% cash back by purchasing products sold by certain stores especially retailers in online bonus malls.
Sometimes credit card companies raise their rewards rate over time, offering cardholders a higher cash back percentage.
Not all cash back credit cards come with a sign-up bonus.
But some of the ones that do will match the cash back you earn within your first year, dollar for dollar.
And some cards have a bonus cash back rewards rate like 10% cash back that they apply when your account is active for a certain number of consecutive months.
Other cash back credit cards hand out hundreds of dollars in bonus cash rewards when you spend a certain amount of money within three months of opening an account.
How a Cash Back Credit Card Could Save You Money Saving money can be easy when you have a cash back credit card.
If you can redeem the rewards you earn for a statement credit, you what are cash back bonuses use it to pay off your credit card balance.
Then the funds that you would normally use to make credit card payments could cover other bills or go into a savings account.
Barely managed to sock away any money for retirement?
You could use a cash back credit card to boost your savings.
Or you could stick your credit card rewards into an investment account with a decent return rate.
You could also use your cash rewards to lower your tax bill.
With many rewards programs, you can make a quick donation online.
Your rewards will be deductible in the tax year that you make a contribution.
Contributions made to private foundations and foreign groups, for example, cannot be deducted when filing income taxes.
If your credit here company lets you redeem your cash back credit card rewards for prepaid gift cards, you could save money on gifts for your friends and family members.
Some companies let cardholders redeem their cash back rewards for points.
So you may be able to use those points to save money on all sorts of items, including plane tickets.
In other words, you may not need to have a travel rewards card in order to cut costs while traveling.
Finally, cash back could save you money on the purchases you make daily.
The Drawbacks of Cash Back Credit Cards With a cash back credit card, you can get your finances on track and make room in your budget for splurging.
But some of these rewards cards come with high annual fees.
And many cash back credit cards have higher interest rates than traditional credit cards.
If you carry a balance every month or make late payments every once in a while, the fees you have to pay could surpass the number of rewards you earn.
Some credit card issuers place a cap on the amount of cash back you can earn.
Credit card companies may also limit the amount of cash back you can earn within certain spending categories.
Using a cash back credit card that only lets you redeem points for statement credits can be particularly frustrating.
These kinds of cards essentially force you to keep using your credit card in order to earn rewards.
Another thing to keep in mind is that if you spend money just to earn cash back, you could land in hot water.
In your attempt to earn as many rewards as possible, you could overspend and end up with too much debt.
How a Cash Back Credit Card Could Affect Your Credit Score Applying for a cash back credit card can affect your credit score in several different ways.
A credit card issuer will have to check your credit report before approving you for new credit.
That move is known as a hard inquiry.
It will likely lower your score by a degree.
According to the FICO scoring model - which is widely used among lenders - 10% of your credit score depends on recent credit inquiries and the number of new credit accounts you have among other things.
Adding a single new credit account to the mix should barely affect your credit score.
Submitting applications for visit web page series of credit card accounts within a few weeks or months, however, could have an adverse effect on your credit.
Even if your credit score is on the higher end of the spectrum, a credit card issuer may reject your application if you have too many recent inquiries.
Having a new credit account will also reduce the average age of all of your credit accounts.
The length of your credit history accounts for 15% of your FICO credit score.
If you manage to qualify for a cash back credit card, your own actions will determine what happens to your credit score.
If you come close to exceeding your credit limit every month and you constantly make late credit card payments, your credit score could take a hit.
But meeting all of you credit card deadlines and keeping your credit utilization ratio below 30% can raise your credit score.
Under the same scoring model, 35% of your credit score depends on your payment history.
Avoiding the temptation to spend more money than you should can be tricky when you have a cash back rewards card.
But keeping your long-term financial goals in mind may help you keep your credit card spending under control.
Who Should Apply for a Cash Back Credit Card?
Cash back credit cards are usually a good match for cardholders with good financial habits.
A card with a low interest rate, for example, or a balance transfer credit card could be more useful.
Keep in mind that the interest rates attached to cash back credit cards are usually higher than the ones attached to standard credit cards.
Therefore, cash back credit cards tend to be best for folks who have room in their budget for extra charges.
Like other kinds of credit accounts, the best cash back credit cards with the best rates are generally available to the most creditworthy consumers.
If you spend thousands of dollars on travel every year, you might be better off with a travel credit card.
The best cash back what are the odds of winning on a slot machine cards have high rewards rates and make it easy to earn cash back on items you buy every day.
Great cash back credit cards let you trade in the points you earn for statement credits, actual cash rewards and points that you can apply to purchases through an online bonus mall.
The best cash back card for you may not be the best card for your significant other or your friend.
Knowing that you want a flat-rate cash back card rather than a card with rotating bonus categories should narrow your list of options substantially.
Your score will affect your odds of getting approved for a credit card.
But unless you have a good credit score, that may be challenging.
As of April 2017, the average annual percentage rate for a cash back credit card is 15.
Since the rewards rate on most cash back credit cards is low, hunting for a credit card with what are cash back bonuses sign-up bonus is a good idea.
As you can see, there are many factors to take into account before signing up for a card.
But click of them are more important than others.
A credit card with a 1.
Some of the best cash back credit cards let consumers earn an unlimited amount of rewards.
The way you spend your money is something else to consider before applying for a cash back credit card.
The costs associated with carrying a particular credit card should also matter.
If you travel frequently, you run the risk of having to pay foreign transaction fees.
And at some point, you may slip up and have to pay a late payment slot to machines tricks there are />But in some situations, the rewards can make the fees an easier burden to bear.
Calculating the value of cash back rewards is a two-step process.
The first step involves calculating the earn rate.
Again, this is how much cash back you can expect to receive on top of each dollar you spend with your credit card.
Card B gives you 3% cash back on department store purchases and 1% cash back on everything else.
If you spend a large percentage of your paycheck on shoes, clothing and other items that you purchase at a department store, you might as well apply for Card B.
But if your spending across multiple categories is fairly even and you rarely shop at department stores, you might be perfectly fine with Card A.
Figuring out the redemption rate for cash back rewards simply involves taking the earn rate and dividing that amount by 100.
The higher the rewards rate and the redemption rate, the higher the value of your cash back rewards.
Cash in the form of a check or statement credit may not be the only reward you can earn when you use a cash back credit card.
Both standard and rewards credit cards come with various perks, such as free credit scores, roadside assistance, return protection and price matching.
Calculating the value of these rewards could also be a good idea.
If a rewards credit card offers this service at a discount, applying for it may be worth considering.
Which Type of Cash Back Credit Card Should You Choose?
Having trouble picking a cash back credit card to apply for?
Remember that cash back cards fall under three major categories: bonus category cards, flat-rate rewards cards and tiered cash back credit cards.
Having a cash back credit card with rotating bonus categories may not work for everyone.
And with these types of cash back credit cards, you often have to opt in to take advantage of the new spending category with the higher rewards rate.
A tiered rewards credit card could give you more cash rewards than a flat-rate cash back credit card, particularly if the category with the highest rewards rate is the one you tend to spend the most money on.
If you spend a lot of money on a few different types of purchases, you may want a bonus category card instead.
Submitting an online application is normally the fastest way to get approved for a credit card, particularly if you choose a card that you can be instantly approved for.
Within seven to 10 business days or less than that in some casesyour new credit card should arrive.
If a credit card issuer refuses to issue you a cash back credit card, you might want to find out why.
Is your credit score too low?
Is your debt-to-income ratio the amount of debt payments you make each month compared to your monthly gross income too high?
Have you applied for too many credit cards in recent months?
Knowing what you need to work on can help you fix your mistakes and prepare to apply for another credit card in the near future.
Should You Apply for More Than One Cash Back Card?
Some credit cardholders have multiple accounts open at one time.
But whether you should apply for another cash back credit card depends on your lifestyle and your financial habits.
Furthermore, if you can only pay for one annual fee, you may want to stick with just one cash back credit card.
Annual fees can cost consumers hundreds of dollars.
If you spend a lot of money on restaurant meals and gasoline, you could find two different cash back rewards cards that offer high rewards rates for both of those types of expenses.
Some folks take up credit card churning as a hobby.
Credit card churning is the act of applying for a rewards credit card, earning a sign-up bonus, closing the account and going through the same process repeatedly.
Closing a credit card could be even worse for your credit score than opening a new account since it could cause your credit utilization ratio to rise above 30%.
Unless you have a long credit history and a sky-high credit score, you probably should stick to applying for one cash back credit card at a time and waiting a while before filling out another application.
Making it your go-to card could be a good idea.
Going over your credit line could cost you.
Of course, the key to making the most of your cash back credit card is making good financial decisions.
Keeping track of your cash rewards and setting goals are two other ways to maximize your cash back credit card rewards.
Protecting your credit card and your account are important, too.
If your account number ends up in the wrong hands, a thief could max out your card.
If you wait too long to report the incident to your credit card issuer, you could be forced to pay over-limit fees.
Cash back cards with sign-up bonuses give extra cash or higher rewards rates when you meet a minimum spending requirement within a set period of time.
With a card like that, you could earn hundreds of dollars in cash rewards or credits within months of opening your account.
Some cash back cards can be used when making purchases through online bonus malls.
Not every credit card company has one.
But if yours does, you can earn extra rewards by purchasing merchandise through the online shopping portal.
Savvy online shoppers can find ways to claim additional rewards by making purchases through sites that offer cash back.
Frequently Asked Questions 1.
Do cash back credit cards always offer cash rewards?
Instead, you may receive a statement credit that you can use to pay off the balances within your credit card account.
Or you may be able to earn points that you can trade in for merchandise, you what are expansion slots variant cards and other items.
Is it better to earn cash rewards, points or statement credits?
The answer to that question will vary based on how you plan to use your cash rewards.
If you want to easily redeem your cash back as points through specific rewards programs, you may have better luck with that than trying to withdraw cash what are cash back bonuses your checking account and using that money to pay for flights and other travel expenses.
Can I donate my cash back credit card rewards to charity?
Some rewards programs let cardholders donate their cash rewards to qualifying charitable organizations.
Your contribution may be deductible.
How can I evaluate cash back credit card offers?
The best cash back cards have low annual fees or no annual feehigh rewards rates and an opportunity to earn read article unlimited amount of rewards.
Just make sure that the earn rate is high for the spending categories that you care most about.
But a cash back card with a flat rate that applies to all purchases may not have a high cash back percentage.
Cash back cards tend to have higher interest rates than regular credit cards.
Most cash back credit cards let cardholders earn between 1% and 2% cash back.
The best cash back credit cards have higher earn rates for at least one or two spending categories.
Do cash back credit cards come with sign-up bonuses?
There are some cash back credit cards that offer a sign-up bonus.
You may have 90 days to spend a certain amount of money and claim your prize.
Or you may have to wait an entire year before you can get any additional rewards.
Do I have to shop at specific stores in order to earn cash back rewards?
But if you can only earn cash back when you stop by the grocery store or the mall, you might want to double-check and find out whether you can only earn rewards when you purchase items from certain places.
Do I need to pay my credit card bill in full every month to earn rewards?
How soon can I cash in on my cash back credit card rewards?
That way, a card issuer can ensure your account is in good standing.
Others only provide cash back once per year or after a certain number of months.
Do cash back rewards ever expire?
But some cash back rewards expire at some point.
If you decide to close your credit card account, you may have to forfeit any rewards that you failed to redeem.
Final Thoughts Cash back credit cards make it easy to earn rewards on a daily basis that you can redeem for statement credits, cash rewards, gift cards and merchandise.
Most cash back rewards are only worth 1 or 2 cents for every dollar you spend.
Zoom between states and the national map to see where people can get the most rewards out of their shopping.
Methodology Our study aims to find the cities that are best for rewards shopping.
To find these places we looked at five key factors: total stores, store concentration, property crime rate, sales tax rate and credit score.
Next, we calculated the store concentration by determining the number of those store types per square mile.
Then we looked at the average credit score for people by state.
We also calculated the sales tax rate for each area by taking an average of state and local tax rates.
Finally, we wanted a metric to show how safe it is to shop in the area so we looked at the property crime rate per 100,000 people.
To check this out the Best Cities for Rewards Shopping Index, we ranked the cities on each of the categories and then indexed each category.
We then calculated a weighted average of the indices with greater weighting given to sales tax rate and property crime rate to yield an overall Best Cities for Rewards Shopping Index.
A city that is suitable for rewards shopping means people there have low sales tax rates, low property crime rates, high store concentration, high number of stores and high credit scores.
Sources: Federal Bureau of Investigation, United States Census Bureau, Experian.


Big Changes to the BoA Cash Rewards Card


1 2 3 4

With the Discover it® Cash Back: • Get a $50 Statement Credit with your first purchase within 3 months. • Earn 5% Cash Back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate.


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Total 20 comments.