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Cash Back, Rebate and Rewards Credit Cards

Here are some of the credit cards that we recommend. If you follow the guidelines in Proper Use of Credit Cards, then you should be using one of these cards. None of these cards charge an annual fee, and all will give you a little something back when you use them wisely. I am not suggesting that you need to get more credit cards, but you may find a better deal with one of these cards and be able to get rid of one of your current credit cards.

Cash Back Credit Cards

All of the credit cards in this category will actually give you cash back. Most will mail you a check once a year. On some of the cards you have to reach a certain minimum amount before they will send you a check. These are the best deals you can find, getting paid to buy things that you are going to buy anyway. Just remember to only charge what you can afford to pay off when you get the bill each month.

Discover Card® - Up to 5% Cash Back.

• No annual fee.
• 5% Cashback Bonus(R) on Get More Program purchases throughout the year.
• Up to 1% Cashback Bonus on all your other purchases.
• DOUBLE your Cashback Bonus (turn $20 into $40) when you redeem for gift cards or certificates from many of our 40 brand name partners.

Blue Cash® from American Express. - Earn Up to 5% Cash Back.

• No annual fee .
• Up to 5% cash back on all qualified purchases.
• 0% APR for up to 6 months
• Flexibility to pay over time
• Fee-free rewards program
• Online application approval decisions in under 60 seconds.
• New ExpressPay feature.

Platinum Cash Rebate Credit Card from American Express.

• No annual fee .
• Up to 5% cash back.
• 0% intro APR.
• Online application approval decisions in under 60 seconds.

Blue Cash® for Business Credit Card - Earn up to 5% Cash Back.
If you have a small business, you should really look into getting the American Express Blue Cash for Business credit card. It is a great asset for any frugal business owner. Here are the features:

• Up to 5% Cash Rebate.
• No annual fee .
• 0% APR for the first 6 months.
• Built-in Smart Chip for Internet Security.
• Receive ongoing Savings at FedEx®, Kinkos® and Staples®.

Rewards Credit Cards

Instead of offering cash back, this group of cards offers reward points when you use the cards. These reward points can be redeemed for items such as free air tickets, discount airfare tickets, free hotel stays. Please check with each card to see what kind of rewards you can claim and how many points you need to claim them. If you like to travel these cards can be great ways to earn free or discounted trips.

Hilton HHonors®  Platinum Credit Card from American Express.

• No annual fee .
• 10,000 Honors points with first purchase with the Card.
• 5 Hilton HHonors® bonus points for each eligible dollar spent on stays at over 2,700 Hilton Family hotels worldwide and for eligible purchases at grocery stores, drugstores, gas stations, restaurants, the U.S. Postal Service, and for wireless phone bills.
• Up to 10,000 HHonors® bonus points with your first four stays at any Hilton.
• Travel Accident Insurance.
• Car Rental Loss and Damage Insurance.
• 2.9% APR for six (6) months.

American Express® Rewards Green Card

• One Membership Rewards® point for virtually every dollar spent.
• Points have no expiration date.
• Points can be redeemed for travel certificates from six (6) of our domestic and international airline partners.

Gold Delta SkyMiles(r) Credit Card

• NO annual fee for the first year .
• 15,000 bonus SkyMiles® with first purchase.
• One SkyMile for every eligible dollar spent.
• Fee-free balance transfers.
• Always Double Miles® benefit.
• SkyMiles can be earned and redeemed on Continental Airlines and Northwest Airlines.

Rebate Credit Cards