best 0 apr cash back credit cards

That's because there's no interest charged on your first 9 months of purchases. So, you can buy now and pay at your own pace – as long as you meet your minimum. Compare and apply for the best credit card online at IDFC FIRST Bank. 10X rewards that don't expire. 0% interest on ATM withdrawals upto 48 days. 0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until March 10, 2022. Then 11.99% to 22.99% Standard Variable.

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These Are The BEST CASH BACK Credit Cards RIGHT NOW [2021]

Wells fargo platinum debit card benefits

wells fargo platinum debit card benefits 1-800-967-9521 24 hours a day 7 days a week. The Platinum card does have a $0 annual fee, but there's a 3% and a foreign transaction fee and a balance transfer fee of 3% intro for 120 days, then up to 5% (min $5). You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. Oct 04, 2021 · The Wells Fargo Platinum card offers a fairly long promotional period of 18 months at 0% APR for balance transfers made in the first 120 days of account opening and on new purchases, but there is Oct 01, 2021 · Answer provided by user: Leon Denerus. m. Monthly fee can be waived by making a certain number of debit/credit purchases. Oct 14, 2021 · The Wells Fargo Business Platinum Credit Card is a business card that offers a relatively low interest rate for cardholders with a cash back aspect and a nice sign-up bonus. The program features many benefits that you can avail yourself of by linking your new everyday checking account to your Campus Card. Are under the age of 18. Jul 01, 2021 · The new Active Cash card from Wells Fargo offers 2% cash rewards on all eligible purchases – the highest dark charizard 1st edition holo among flat-rate cash back cards with no annual fee so far. Sep 02, 2020 · The Wells Fargo Campus debit card is an exclusive program available at select colleges and universities, offering optional banking services to faculty, staff, and students alike. 99% variable APR thereafter. That may not sound like a huge amount, but the Oct 01, 2021 · This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The offer is now available to everybody because of that the card itself is worth a short review in case others are targeted either now or in the future. Few cards offer a longer 0% APR period (though Citi Simplicity offers 21 months). Oct 01, 2021 · Answer provided by user: Leon Denerus. Apr 17, 2020 · Wells Fargo Promotions. The bank’s customer Jan 02, 2020 · A few days ago reader @RobertDwyer tagged me in a post on Twitter, he had received an offer of $500 after $5,000 in spend on the Wells Fargo Business Platinum Credit Card. Unlike Clear Access Banking, this account has a check-writing option. Jan 04, 2010 · Verdict – The Wells Fargo card is a card that any Wells Fargo checking account holder will get. This card does not offer cashback rewards like other credit cards or other bonuses that may be more enticing, but if you’re looking for a $0 annual fee credit card then this card is made for you. Wide-ranging support. 8. This bank offers some rare benefits, like a debit card for your savings account and discounts on loans to customers with multiple accounts. May 30, 2021 · Other benefits of the Portfolio account include reimbursement of non-Wells Fargo ATM fees, interest rate discounts on new loans, annual relationship bonuses for customers who have the Wells Fargo Propel World American Express® card, and a platinum debit card. Your Wells Fargo Debit Card comes with Zero Liability protection at no extra cost. Cash Advance Jan 04, 2010 · Verdict – The Wells Fargo card is a card that any Wells Fargo checking account holder will get. Benefits include: Optional Overdraft Protection. 5% cash back or a base 1 point per dollar on all purchases Jun 21, 2019 · Amex Card Benefits ATM and debit card customers. Get 2% cash back on all purchases, a sign-up bonus and an intro APR offer on purchases and balance transfers. for a credit card, you have to apply to get an actual credit card, how ever you can use your debit card if it has a Visa or Mastercard Logo on it, to purchase things just like a credit card aslong Nov 08, 2021 · Read our Wells Fargo Platinum card review. Dec 12, 2017 · The Wells Fargo Platinum Visa card is a balance transfer card. 49%. You'll also get online bill pay, online transfers, and mobile deposit. Plus take advantage of. This worldwide service saves You valuable time. You'll just Nov 29, 2021 · Quite a few flat-rate cards earn 1. Jul 26, 2021 · What are the benefits of the Wells Fargo Everyday Checking account? Easy access. Oct 15, 2018 · Wells Fargo offers checking and savings accounts that you find at your typical physical bank. Answer (1 of 2): No a Debit card only allows you to access the available funds on your bank account. This type of card is an excellent option for consumers looking for a simple credit card product with no annual fee or bonus categories to keep track of. Why we picked it: With a flat rate of 1. The card details have not been reviewed or approved by the card issuer. Wells Fargo Platinum card fees include charges for a host of regular credit card transactions. Nov 08, 2021 · The most popular Wells Fargo checking account has custom text and email alerts to monitor account activities. Oct 01, 2021 · This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. And to get the highest APY, you have to call or go to a branch location. As with the balance transfer offer, the purchase APR starts at 18 months, but can be increased to 21 months with timely payments. No annual fee*. Platinum Debit Mastercard offers a mix of travel benefits, privileges and experiences. 1. com. D. It’s supplemented by a Platinum debit card with chip technology. The Wells Fargo Platinum card does not come with any rewards, either as an initial sign-up bonus or for ongoing purchases. Card. Generally speaking, I’m not a big fan of using check cards or debit cards for earning rewards. You can use this benefit 24 hours a day, seven days a week. A maximum benefit amount and certain exclusions, restrictions, and limitation apply. The program operates similarly to Amex OffersChase Offers, and Bank of America’s BankAmeriDeals. Feb 28, 2020 · Benefit 1: 18-month introductory APR of 0%. Power Credit Card Customer Satisfaction Study. Jul 11, 2019 · The Wells Fargo Platinum card is a popular card for its long introductory APR deal for new cardholders. Jul 14, 2021 · Yes, the Wells Fargo Platinum card does offer a roadside assistance benefit. Some card networks provide update services and receive updated card information from Wells Fargo. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. We regularly review your accounts for unusual activity. However, they need to make sure that the rewards and reward structures are well-suited for their personal preferences because that will determine whether the rewards program is worth it or not. Jul 23, 2020 · Wells Fargo has announced a new way for cardholders to earn cash back with its cards through its My Wells Fargo Deals. Your Everyday Checking account will receive a monthly service fee waiver within 45 days of linking your UNC Debit Card to that account. It doesn’t charge an annual fee, offers free access to FICO scores, and provides tools to help cardholders manage their money. It also brings additional benefits to students if Wells Fargo Campus ATM or Campus Debit Card is Plus, use your card to make purchases and at ATMs for convenient banking access. Since the points on this card — known as “Go Far Rewards” points — are worth 1 cent each, the bonus has a cash value of $200. Wells Fargo Visa Platinum credit cards will be terminated if the credit card is no longer linked to the Portfolio by Wells Fargo program. Sep 30, 2021 · Wells Fargo Platinum card: Best for those looking for a longer 0% APR period. 49% (Variable) applies). It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege. See best 0 apr cash back credit cards Wells Fargo Visa Credit Card Purchase and Trip Protection Benefits Guide for more details. The Wells Fargo Platinum Card offers a long 0 intro APR introductory APR for 18 months from account opening for purchases and balance transfers followed by a regular rate of 1649-2449 Variable. 99% to 24. But I've started using it to pay my monthly T-Mobile bill (for the cell phone protection) and lo and behold it seems to generate a 1% reward. Feb 04, 2021 · The Wells Fargo Platinum Savings account is available in all 50 states and offers a debit card and checks for easy access. It applies to both new purchases and balance transfers, the latter making it appealing to consumers looking to consolidate debt. That may not sound like a huge amount, but the Read the Wells Fargo Platinum Visa Card AgreementOpens in a new window. The benefit is that the consumer no longer needs to pay interest on that debt during the introductory period. You’ll also get online bill pay, online transfers, and mobile deposit. The bank’s customer Sep 10, 2021 · Though Wells Fargo has fewer credit cards than many of the competitors on the market, it surprisingly offers one of the stronger balance transfer cards in the form of the Wells Fargo Platinum Card. Jul 14, 2021 · You can also redeem your rewards at a Wells Fargo ATM by using your Wells Fargo ATM or debit card. One area where it stands ahead of the Wells Fargo Active Cash card is in the length of its introductory 0% APR period. Nov 02, 2021 · The Wells Fargo Active Cash Card offers unlimited 2% cash back rewards, along with a lengthy low introductory APR period. A platinum debit card is one with various special benefits and privileges made for premium users and high earners. With a platinum debit, you can have higher ATM cash withdrawals, cash backs, loyalty points, and more. The Platinum Savings also has a maximum of six withdrawals per month, but it has a higher monthly fee at $12. Wells Fargo Platinum cardholders can call 1 (800) 847-2869 to request any of the following roadside assistance services: Jun 21, 2019 · Amex Card Benefits ATM and debit card customers. Everyday Checking: Provide a small deposit to qualify. May 25, 2021 · Wells Fargo ranks eighth out of 11 card issuers on the 2020 J. May 17, 2021 · Wells Fargo Platinum Card. 5% cash back rate. See a Wells Fargo banker for more information about other fees that may apply. Any cards we issue to you or any devices we allow you to use to access credit on your Account. Oct 04, 2021 · The Wells Fargo Platinum card is best for those looking for a basic card with no annual fee that gives you an extended interest-free period on balance transfers and purchases. Protections Convenience and peace of mind Get built-in protection features with the Wells Fargo Debit Card. Whichever card you choose, the Citi Diamond Preferred Credit Card, Chase Freedom card benefits, HSBC Platinum Card or Wells Fargo Platinum Card will help you regain control over your financial management and enjoy the benefits of some of the best cards on the market. For every dollar you spend, you also receive 1,000 bonus points for a minimum of $1,000 in eligible purchases. In other words, their card holders can get rewarded for using their credit cards to shop. to midnight, Eastern Time, excluding major holidays. Learn more. The universal Wells Fargo transfer limit is what is the atm deposit limit for bank of america transfers from your savings account per month. You can also call Wells Fargo Go Far Rewards Customer Service at 1-877-517-1358 to redeem your rewards, seven days a week, from 8:00 a. Wells Fargo offers 24/7 customer service by phone. You can uk phone country code from usa to use it at the ATM and even as a debit or check card. Its score of 800 is below the national issuer average of 810. The UNC Debit Card is a Wells Fargo Campus Card. Aug 23, 2021 · *The information about Wells Fargo Platinum card has been collected independently by Bankrate. But you can find higher APYs with other savings products. Dec 03, 2013 · Wells Fargo Platinum does not have any type of rewards. Your debit card comes with fee-free access to over 13,000 ATMs and 5,800 branches. The Wells Fargo Reflect Card offers 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Balance transfers do incur a balance transfer fee of 3% intro for 120 days, then up to 5% (min $5), though. Merchants that participate in such services will receive updated card information from the network for credit cards that you have provided to the merchant for recurring or future purchases or payments. May 16, 2018 · As far as balance transfer cards go, the Wells Fargo Platinum card offers a few benefits that might appeal to people looking to pay down debt: Lengthy 0% intro APR period and no annual fee. Wells Fargo Platinum Visa has a variable purchase APR that ranges from 16. Oct 03, 2021 · The Wells Fargo Business Platinum Credit Card * is a small business credit card that offers business owners a choice between earning 1. Oct 14, 2021 · Otherwise, the Wells Fargo Business Platinum Credit Card receives a regular 1. The Wells Fargo Business Platinum Credit Card offers a 0% introductory APR for the first nine months. Jul 27, 2018 · 1. Apr 11, 2020 · The Platinum Debit Card is available to any Wells Fargo customers who have Everyday Checking, Preferred Checking or the PNA Package. Welcome Bonus. The Wells Fargo Platinum Card is a low interest credit card focusing on an introductory 0% APR on both purchases and balance transfers. The card’s signature feature is an introductory APR of 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers. Rewards with Wells Fargo Platinum card? I've had the Platinum card from WF for a few years now but hadn't used it much because it supposedly has no rewards or cash back. For cash back: A big plus with Go Far Rewards is that if you have a Wells Fargo debit or ATM card, you can redeem points for cold, hard cash that you can hold in your hand that day. The Wells Fargo Platinum credit cards benefits include a 0 APR on purchases and balance transfers for 18 months one of the longest introductory periods on the market a 0 annual fee and up to 600 in cell phone insurance. Although listed as benefits specifically of the Portfolio program in some of the online marketing materials, all of Wells Fargo’s checking accounts include a Platinum debit card; free access to the online banking system, including their Bill Pay service; the ability to bank on a smart device using the Wells Fargo Mobile® app; email and text Benefits of the Wells Fargo Active Cash Card. The transfer of a balance from another credit account to your Account, including the use of a check that accesses your Account. However, this too can be avoided by maintaining a $3,500 minimum daily balance. The Wells Fargo Platinum. Wells Fargo Platinum roadside assistance gives cardholders 24/7 access to a wide range the huntington national bank inc services whenever their vehicle breaks down. 49%-24. The Wells Fargo Platinum Visa has a 0% annual percentage rate on purchases and balance transfers for 18 months. It offers Visa Signature privileges. Mar 25, 2021 · Have a linked Wells Fargo Campus ATM or Campus Debit Card Are a primary account owner ages 17 to 24 years old Clear Access Banking is a digital checking account. Use your Business Platinum Savings account to help protect your Wells Fargo business checking account from overdrafts; Online access. The first would be that you have the longest period with APR 0% interest in the market ( 18 months ). Nov 22, 2021 · Wells Fargo Platinum Visa® Card is noted a no hassle/no fee credit card that most consumers can benefit. Minimum Opening Deposit: $25; Monthly Fee: $5 Nov 19, 2021 · Wells Fargo Reflect Card Offer. Eligible debit and credit cardholders can go through their Wells Fargo account online or through the mobile app to view and Rewards with Wells Fargo Platinum card? I've had the Platinum card from WF for a few years now but hadn't used it much because it supposedly has no rewards or cash back. Security. Some of Wells Fargo’s credit cards are reward credit cards. Cardholders can use the Platinum card with an extensive list of retail providers. Intro APR extension of up to 3 months with on-time minimum payments during the introductory and extension periods. It’s a good option for small to mid sized businesses as it offer you a one-time $300 cash back bonus or 30,000 Points when you enroll in the cash back rewards program and A platinum debit card is one with various special benefits and privileges made for premium users and high earners. Balance Transfer. Wells Fargo Visa Platinum Card Benefits & Offers. This is a great option for people looking for a low-maintenance card. Apr 20, 2020 · You have many benefits if you opt for the Wells Fargo Credit Card. Protecting your card and account. Sara Rathner Oct 27, 2021. Wells Fargo Cash Wise Visa® card: Best for cash back. While the list of cards that earn 2% cash back is growing, the Wells Fargo Active Cash Platinum Debit Mastercard offers a mix of travel benefits, privileges and experiences. Balance transfer credit cards allow consumers to transfer existing credit card debt from other banks and issuers to this card. A Wells Fargo Business Platinum Savings account is for businesses with higher balances typically best 0 apr cash back credit cards to save for future expansion or taxes. It also costs more in annual charge than a regular debit card. Companies can benefit not only from rewards, but also online account management and up to 99 employee cards at no additional cost. Many or all May 16, 2018 · As far as balance transfer cards go, the Wells Fargo Platinum card offers a few benefits that might appeal to people looking to pay down debt: Lengthy 0% intro APR period and no annual fee. You can redeem your unlimited, non-expiring cash rewards online or through a Wells Fargo ATM if you’re a customer Apr 11, 2020 · The Platinum Debit Card is available to any Wells Fargo customers who have Everyday Checking, Preferred Checking or the PNA Package. 3% Balance transfer fee. You'll be able to Oct 31, 2021 · The Wells Fargo Platinum card also extends a 0% intro APR best 0 apr cash back credit cards 18 months from account opening on qualifying purchases (then an APR of 16. Oct 06, 2021 · The new Wells Fargo Active Cash SM Card, a 2% unlimited cash-rewards card with no annual fee, is sure to be one of the most popular options among flat-rate cash-rewards cards on the market. 49% up to 24. You will be reimbursed for any unauthorized card transactions when reported promptly. You'll just May 25, 2021 · Wells Fargo ranks eighth out of 11 card issuers on the 2020 J. Review the Visa Guide to Benefits PDF to learn more. If You lose Your Visa Platinum card or someone steals it, we’ll help you notify the appropriate parties and replace Your card. After that, the Platinum Visa’s APR increases (see terms), based on your creditworthiness. Wells Fargo Platinum Visa Card Account Agreement – Wells Fargo Page 2 of 12. But they also have a few features that you may not find elsewhere. In addition to generous rewards, this card also comes with some attractive Oct 01, 2021 · This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. Oct 26, 2021 · Be linked to a Wells Fargo Campus ATM or debit card (students) The account features include free access to Wells Fargo online banking, a platinum debit card, account alerts and mobile banking options. Jul 01, 2021 · Wells Fargo is a bizarre combination of hits and misses. Wells Fargo Student Checking. New Wells Fargo Propel American Express® card cardholders receive 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. 5% cash back, so if a card’s going to stand out, it has to stand apart. Answer: You do know that the WF Platinum card is a CC, not a debit? They are 2 entirely different things. Sep 23, 2021 · The Wells Fargo Business Platinum Credit Card is a good quality rewards and cash back credit card for small and medium-sized businesses. Checking. Like my BofA CC and debit…debit is just a replacement for the old paper check system that draws it’s use from your checking acct, possibly linked for overdraft through savings. The Wells Fargo checking accounts each come with a Platinum Debit card featuring chip technology. At 18 months, this card holds one of the longest balance transfer periods available as of 2021, and best of all features no annual fee. Cash Advance Wells Fargo Platinum Visa has a variable purchase APR that ranges from 16. 12. 5% cash rewards on purchases, cardholders can earn consistent, easy-to-understand rewards. Question is should you enroll in the reward program. Wells Fargo is one of the Big Four banks, making it a safe place to store your money. My Card A world of card benefits. wells fargo platinum debit card benefits

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Credit cards

Terms and conditions

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Important information
Sainsbury’s Bank Credit Cards are available to new Sainsbury’s Bank Credit Card customers only. We treat all our customers and their applications for a Sainsbury’s Bank Credit Card on an individual basis. The interest rate, promotional period and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history.
To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit.
Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Credit Cards, PO Box 10592, Wigston, LE18 9GZ.

*8,000 bonus Nectar points conditions
1. This offer is only available when you take out a new Sainsbury’s Bank Nectar Credit Card.
2. You’ll get 8,000 points if you use your card to spend a total of £400 or more at Sainsbury’s, Argos, Habitat or Tu Clothing during the 2 months after your account is opened.
3. Points will be added to your Nectar account within 60 days of the end of the offer period.
4. This offer can’t be used in conjunction with www prudential com online retirement com other introductory points offer.
5. You need to add your Nectar card number to your application.
6. Spend at Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy, Sainsbury’s Cafes, Sainsbury’s e-Gift Cards and any other Sainsbury’s services is excluded.
7. You won’t get any points if you go over your credit limit or don’t pay at least the minimum payment on each statement by its due date.
8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
9. Sainsbury’s Bank reserve the right to change or cancel this offer without notice.

†Up to 3 Nectar points per £ conditions
1. You can collect points by paying with your credit card.
2. We’ll award 2 points for each full £1 spent at Sainsbury’s, Argos, Habitat and Tu Clothing in the UK.
3. We’ll award 1 point for each full £5 spent everywhere else. This includes Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy, Sainsbury’s Cafes, Sainsbury’s e-Gift Cards and any other Sainsbury’s services.
4. We don’t award points on Travel Money purchases.
5. On each statement, we calculate the points due on each transaction separately, then total them up and add them to your Nectar account within 60 days.
6. You can collect additional points from Nectar partners, including up to 1 point per £1 in Sainsbury’s, Argos, Habitat and Tu Clothing, by scanning your Nectar app or using your Nectar card at the time of the transaction. You can find details of their collection rates at nectar.com
7. No cash alternative is available.
8. We reserve the right to change or cancel this offer without notice.

††Collect up to 5,000 Nectar points
1. This offer is only available when you take out a new credit card.
2. You’ll get 500 bonus Nectar points when you use your card to buy £35 or more of Sainsbury’s shopping, up to 10 times during the 2 best 0 apr cash back credit cards after we open your account.
3. We’ll add the points to your Nectar account within 60 days of the end of the offer period.
4. You need to tell us your Nectar card number when you apply.
5. Spend at Argos, Habitat, Sainsbury’s wings financial credit union contact number stations (including non-fuel purchases), Sainsbury's Bank (including travel money), Sainsbury’s Energy, Sainsbury’s Cafes, Sainsbury’s e-Gift Cards and any other Sainsbury's services is excluded.
6. We won’t give you any points if you go over your credit limit or don’t pay at least the minimum payment on each statement by its due date.
7. Sainsbury's Supermarkets Ltd award online savings account high interest no fees points from this offer. No cash alternative is available.
8. We reserve the right to change or cancel this offer without notice.

Источник: https://www.sainsburysbank.co.uk/credit-cards

TD Cash Back Visa Infinite* Card

Annual interest rates, fees and features are current as of August 17, 2021 unless otherwise indicated and subject to change.

1 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.

2 Welcome Best 0 apr cash back credit cards Must apply by December 5, 2021. Welcome Bonus of 6% in Cash Back Dollars ("Welcome Bonus Rebate") applies to new TD Cash Back Visa Infinite* Accounts ("Account") in the first 3 months of Account opening ("First 3 Months") to a maximum total collective spend of $2000 ("Welcome Bonus Cap") on all purchases charged to 1st midamerica credit union loan payment TD Cash Back Credit Card Account ("Account"), and recurring bill payments set up on your Account ("Pre-Authorized Payments"). Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the 1st Additional Cardholder added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by December 6, 2021. Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Any returned items, refunds, rebates or other similar credits on any Purchases or Pre-Authorized Payment made during the First 3 Months will reduce or cancel the Cash Back Dollars earned at the Welcome Bonus Rebate on the original Purchase or Pre-Authorized Payment, as applicable. Welcome Bonus Cap: Once the Welcome Bonus Cap is reached, any further Purchases and Pre-Authorized Payments made in the First 3 Months will earn Cash Back Dollars at the regular accelerated 3% rebate that applies to each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments as set out in your Cardholder Agreement ("Accelerated Rebate"). Applicability of Welcome Bonus Rebate: Welcome Bonus Rebate is in place of, and not in addition to, the Accelerated Rebate. $15,000 Cap on each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments: After the First 3 Uscis online account number, the Accelerated Rebate will apply to all Gas Purchases, Grocery Purchases and Pre-Authorized Payments charged to your Account up to a $15,000 maximum net annual spend ("$15,000 Cap") for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments. After the $15,000 Cap is reached annually in a Gas Purchases, Grocery Purchases or Pre-Authorized Payments category, all additional spend in the corresponding category will earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments will be reduced by the actual corresponding amount of Gas Purchases, Grocery Purchases and Pre-Authorized Payments made in the First 3 Months. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Merchant Category Codes: To earn the Welcome Bonus Rebate on Gas Purchases and Grocery Purchases, the Gas Purchase or Grocery Purchase must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that best 0 apr cash back credit cards them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Welcome Bonus Rebate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Welcome Bonus may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available customers who have activated and/or closed a TD Cash Back Visa Infinite* Account in the last 12 months.

3 Earn 3% in Cash Back Dollars ("Gas Rebate") for each $1.00 in Purchases of gas or gas station services or products ("Gas Purchases") charged to your TD Cash Back Credit Card Account ("Account") and earn 3% in Cash Back Dollars ("Grocery Rebate") for each $1.00 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas Purchase or Grocery Purchase, as applicable. $15,000 Cap: Each of the Gas Rebate and the Grocery Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached for either Gas Purchases or Grocery Purchases, then any further Gas Purchases and Grocery Purchases made on the Account will only earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Gas Rebate and Grocery Rebate: Each of the Gas Rebate and the Grocery Rebate is in place of, and not in addition to, the Standard Rebate. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases and Grocery Purchases will be reduced by the actual corresponding amount of Gas Purchases and Grocery Purchases made in the first 3 months of Account opening ("First 3 Months") that are subject to the Welcome Bonus in Cash Back Dollars. For best 0 apr cash back credit cards, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Merchant Category Codes: To earn the Gas Rebate and/or Grocery Rebate, the Gas Purchases and/or Grocery Purchases must be made at merchants classified best 0 apr cash back credit cards the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or new property listings near me station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Gas Rebate or Grocery Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4 Earn 3% in Cash Back Dollars ("PAP Rebate") on each $1.00 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Cash Back Credit Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Pre-Authorized Payment. $15,000 Cap: The PAP Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for Pre-Authorized Payments will be reduced by the actual corresponding amount of Pre-Authorized Payments made in the first 3 months of Account opening ("First 3 Months") that are subject to the Welcome Bonus in Cash Back Dollars. For example, if you set up $2,000 in Pre-Authorized Payments in the First 3 Months, the $15,000 Cap for Pre-Authorized Payments will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5 Earn 1% in Cash Back Dollars ("Standard Rebate") on each $1.00 for all other Purchases ("Other Purchases") charged to your TD Cash Back Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Other Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6 Account must be open and in good standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Infinite* Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp

7 TD Auto Club is provided by AXA Assistance Canada Inc. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.

8 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 10-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.

9 The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite* Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes, no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite* Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite* Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite* card.

10 You must be an eligible Visa Infinite* cardholder with a valid Canadian issued Visa Infinite* card to take advantage of the Visa Infinite* benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available online at www.visainfinite.ca/infinite/terms.jsp. The Visa Infinite* privacy policy (available online at www.visainfinite.ca/infinite/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite* Concierge or the Visa Infinite* website. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite* cardholders are subject to such third parties’ own privacy policies.

11 Provided by Avis Rent A Car System LLC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre/miles charges only and other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System LLC.

12 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate is based on time and kilometre/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

13 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

14 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

15 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only

16 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

17 Cash Advance is subject to available credit. Fees apply to each Cash Advance and Cash Advances accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made.

* Trademark of Visa International Service Association and used under license.

All trade-marks are the property of their respective owners.

®The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

Coin image© 2017 Royal Canadian Mint. All rights reserved

The Click to Pay icon () is a trademark owned by and used with permission of EMVCo, LLC.

Источник: https://www.td.com/ca/en/personal-banking/products/credit-cards/cash-back/cash-back-visa-infinite-card/

DISCOVER IT® Uk phone country code from usa BACK CREDIT CARD

You earn cash back, we match it all your first year

Discover offers this cash rewards credit card and matches all the cash back you’ve earned at the end of your first year.1

No annual fee

* Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from peoples bank nc online alt="Discover it® Cash Back Credit Card" src="https://www.discover.com/content/dam/discover/en_us/credit-cards/card-acquisitions/cash-back/images/product/cash-plum-garnet.png">

Why Discover it ® Cash Back rewards credit card?

Five Percentage

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,8 grocery stores, restaurants, gas stations and when you pay using PayPal,15 up to the quarterly maximum when you activate.

One Percentage

Earn 1% cash back on all other purchases – automatically.  

2x cash back

With Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.1

Get 5% cash back rewards at select places throughout the year

5% at Grocery Stores and Fitness Club & Gym Memberships

on up to $1,500 in purchases when you activate. Excludes Walmart and Target purchases.2

5% at Gas Stations and Target

on up to $1,500 in purchases when you activate.3

5% at Restaurants and PayPal

on up to $1,500 in purchases when you activate.4

5% at Amazon.com and Digital Wallets

on up to $1,500 in purchases when you activate. 5

99% nationwide acceptance — Discover is accepted by 99% of the places across the country that take credit cards.6

No annual fee

* Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until . Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

The security you expect from Discover

Activate Social Security Alerts and Discover will send you an alert if your Social Security number is found on any Dark Web sites.

Activate free Social Security Number Alerts

Activate and we’ll send you an alert if your Social Security number is found on any of thousands of Dark Web sites.10

Freeze your account to prevent new purchases, cash advances, and balance transfers.

Turn your account on/off with Freeze it®

If you misplace your card, freeze your account on our mobile app or website to prevent new purchases, cash advances and balance transfers.11

Источник: https://www.discover.com/credit-cards/cash-back/it-card.html

Credit Cards

Disclaimer: The Reserve Bank of India (RBI) has, vide order dated July 14, 2021, imposed restrictions on MasterCard Asia/Pacific Pte. Ltd. from on-boarding new domestic customers onto their card networks, with effect from July 22, 2021. Accordingly, ICICI Bank Limited shall be unable to accept further applications for any ICICI Bank Credit Cards on MasterCard network. However, please note that this order does not impact existing customers.

ICICI Bank Credit Cards, to take care of all your expenses

From your everyday commute to international trips, from daily spends to luxury purchases, from grocery shopping to fine-dining restaurants, there is always an ICICI Bank Credit Card to take care of all your expenses. Experience an array of benefits, attractive offers and user-friendly features when you use a credit card from ICICI Bank.

To experience all this and more, click on the button below and discover the offers that you are eligible for.

ICICI Bank Credit Cards offer a host of benefits and offers to cater to your needs. So get the credit card of your choice by browsing through the credit card section.

Get Instant Credit Card

Supplementary Cards

You can also get an add-on or supplementary card

With the add-on card, you can share almost all the benefits of your ICICI Bank Credit Card with the members of santander dealer finance family at no additional fee with an add-on card. Interested to know more about this feature? Click the button below to discover how you can extend the benefits of your credit card to your family.

KNOW MORE

Источник: https://www.icicibank.com/card/credit-cards/credit-card.page

Best 0 apr cash back credit cards -

This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

For many, cash back is king. With the right card, you can earn money back on where you spend the most — whether that be the grocery store, on takeout or gas. Here are the top cash-back credit cards from our partners that you can use to maximize your everyday purchases. As always, check out our best credit cards overall for monthly offers.

Terms & restrictions apply.See rates & fees

Best for gas, supermarkets, and select streaming services cash back in the U.S.

1 - 6% cash-back

  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% 6% Cash Back on select U.S. streaming subscriptions
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

$300

$300

$0 introductory annual fee for the first year, then $95.

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

BEST REWARDS RATE FOR A CASH-BACK CARD

2% cash-back

  • 2% Earn unlimited 2% cash rewards on purchases

$200 cash rewards

$200 cash rewards

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

If you’re interested in opening a cash-back card but are confused by other options that discuss “rotating categories” or “spending limits,” make your life easier with the Wells Fargo Active Cash card. Earn 2% cash rewards on every purchase and turn your rewards into cash-back that can help you lower your everyday expenses or treat yourself to a gift — from you, to you.

Pros

  • There’s no annual fee, meaning that you can keep your costs low while focusing on earning rewards

Cons

  • Don’t take this card abroad with you, as this card incurs a 3% foreign transaction fee
  • New! Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select "Apply Now" to learn more about the product features, terms and conditions

Pros

  • There’s no annual fee, meaning that you can keep your costs low while focusing on earning rewards

Cons

  • Don’t take this card abroad with you, as this card incurs a 3% foreign transaction fee
  • New! Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select "Apply Now" to learn more about the product features, terms and conditions

1.5 - 5% cash-back

  • 5% 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% 5% on travel purchased through Chase Ultimate Rewards®.
  • 3% 3% cash back on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases.
  • 1.5% Unlimited 1.5% cash back on all other purchases.

$200

$200

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories.
  • There is no annual fee - Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.

Cons

  • There is a foreign transaction fee so the card shouldn't be used abroad.
  • Limited card perks and benefits.
  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited 1.5% cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 24.74%.
  • No annual fee.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories.
  • There is no annual fee - Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.

Cons

  • There is a foreign transaction fee so the card shouldn't be used abroad.
  • Limited card perks and benefits.
  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited 1.5% cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 24.74%.
  • No annual fee.

BEST FOR FLAT-RATE CASH BACK

1.5% cash-back

  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.

Pros

  • Unlimited 1.5% cash back on all purchases
  • No annual fee
  • Cash back doesn't expire

Cons

  • Limited card perks and benefits
  • Other cards offer more potential and upside when it comes to redeeming cash back
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees

Pros

  • Unlimited 1.5% cash back on all purchases
  • No annual fee
  • Cash back doesn't expire

Cons

  • Limited card perks and benefits
  • Other cards offer more potential and upside when it comes to redeeming cash back
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees

1 - 5% cash-back

  • 5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • 1% Earn unlimited 1% cash back on all other purchases.

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Citi Custom Cash is the most flexible cash-back card on the market, allowing you to earn 5% back on your top eligible spend category on up to $500 spent each billing cycle.

Pros

  • 5% cash-back rewards on your top eligible spend category on up to $500 spent each billing cycle.
  • No annual fee.
  • $200 cash-back bonus after spending $750 or more in the first three months of account opening.

Cons

  • Maximum $500 on top eligible spend category each billing cycle, then 1%.
  • 3% foreign transaction fee.
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

Pros

  • 5% cash-back rewards on your top eligible spend category on up to $500 spent each billing cycle.
  • No annual fee.
  • $200 cash-back bonus after spending $750 or more in the first three months of account opening.

Cons

  • Maximum $500 on top eligible spend category each billing cycle, then 1%.
  • 3% foreign transaction fee.
  • Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.

Terms & restrictions apply.See rates & fees

Best for beginner cash back

1 - 3% cash-back

  • 3% 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% 2% cash back at U.S. gas stations and at select U.S. department stores.
  • 1% 1% Cash Back on other purchases

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You’ll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee.
  • Unlimited 2% cash back at U.S. gas stations and select U.S. department stores.
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee.
  • Unlimited 2% cash back at U.S. gas stations and select U.S. department stores.
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

Best for online cash back

1 - 3% cash-back

  • 3% Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 2% Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
  • 1% Earn unlimited 1% on all other purchases.

$200

$200

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

The Bank of America Cash Rewards is a solid cash-back card with the potential to offer lucrative rewards for smaller budgets. If you’re a Preferred Rewards member, you can earn 25 to 75% more cash back on every purchase.

Pros

  • Flexible earning structure (3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs.
  • No annual fee or expiration on rewards.
  • $200 online cash-rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Cons

  • Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%.
  • 3% foreign transaction fee.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Pros

  • Flexible earning structure (3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs.
  • No annual fee or expiration on rewards.
  • $200 online cash-rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Cons

  • Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%.
  • 3% foreign transaction fee.
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • Contactless Cards - The security of a chip card, with the convenience of a tap
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Источник: https://thepointsguy.com/credit-cards/cash-back/

Credit cards

Terms and conditions

Google Pay™ is available. Find out more.Google Pay

Important information
Sainsbury’s Bank Credit Cards are available to new Sainsbury’s Bank Credit Card customers only. We treat all our customers and their applications for a Sainsbury’s Bank Credit Card on an individual basis. The interest rate, promotional period and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history.
To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit.
Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Credit Cards, PO Box 10592, Wigston, LE18 9GZ.

*8,000 bonus Nectar points conditions
1. This offer is only available when you take out a new Sainsbury’s Bank Nectar Credit Card.
2. You’ll get 8,000 points if you use your card to spend a total of £400 or more at Sainsbury’s, Argos, Habitat or Tu Clothing during the 2 months after your account is opened.
3. Points will be added to your Nectar account within 60 days of the end of the offer period.
4. This offer can’t be used in conjunction with any other introductory points offer.
5. You need to add your Nectar card number to your application.
6. Spend at Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy, Sainsbury’s Cafes, Sainsbury’s e-Gift Cards and any other Sainsbury’s services is excluded.
7. You won’t get any points if you go over your credit limit or don’t pay at least the minimum payment on each statement by its due date.
8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
9. Sainsbury’s Bank reserve the right to change or cancel this offer without notice.

†Up to 3 Nectar points per £ conditions
1. You can collect points by paying with your credit card.
2. We’ll award 2 points for each full £1 spent at Sainsbury’s, Argos, Habitat and Tu Clothing in the UK.
3. We’ll award 1 point for each full £5 spent everywhere else. This includes Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy, Sainsbury’s Cafes, Sainsbury’s e-Gift Cards and any other Sainsbury’s services.
4. We don’t award points on Travel Money purchases.
5. On each statement, we calculate the points due on each transaction separately, then total them up and add them to your Nectar account within 60 days.
6. You can collect additional points from Nectar partners, including up to 1 point per £1 in Sainsbury’s, Argos, Habitat and Tu Clothing, by scanning your Nectar app or using your Nectar card at the time of the transaction. You can find details of their collection rates at nectar.com
7. No cash alternative is available.
8. We reserve the right to change or cancel this offer without notice.

††Collect up to 5,000 Nectar points
1. This offer is only available when you take out a new credit card.
2. You’ll get 500 bonus Nectar points when you use your card to buy £35 or more of Sainsbury’s shopping, up to 10 times during the 2 months after we open your account.
3. We’ll add the points to your Nectar account within 60 days of the end of the offer period.
4. You need to tell us your Nectar card number when you apply.
5. Spend at Argos, Habitat, Sainsbury’s petrol stations (including non-fuel purchases), Sainsbury's Bank (including travel money), Sainsbury’s Energy, Sainsbury’s Cafes, Sainsbury’s e-Gift Cards and any other Sainsbury's services is excluded.
6. We won’t give you any points if you go over your credit limit or don’t pay at least the minimum payment on each statement by its due date.
7. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
8. We reserve the right to change or cancel this offer without notice.

Источник: https://www.sainsburysbank.co.uk/credit-cards

TD Cash Back Visa Infinite* Card

Annual interest rates, fees and features are current as of August 17, 2021 unless otherwise indicated and subject to change.

1 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.

2 Welcome Bonus: Must apply by December 5, 2021. Welcome Bonus of 6% in Cash Back Dollars ("Welcome Bonus Rebate") applies to new TD Cash Back Visa Infinite* Accounts ("Account") in the first 3 months of Account opening ("First 3 Months") to a maximum total collective spend of $2000 ("Welcome Bonus Cap") on all purchases charged to your TD Cash Back Credit Card Account ("Account"), and recurring bill payments set up on your Account ("Pre-Authorized Payments"). Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the 1st Additional Cardholder added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by December 6, 2021. Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Any returned items, refunds, rebates or other similar credits on any Purchases or Pre-Authorized Payment made during the First 3 Months will reduce or cancel the Cash Back Dollars earned at the Welcome Bonus Rebate on the original Purchase or Pre-Authorized Payment, as applicable. Welcome Bonus Cap: Once the Welcome Bonus Cap is reached, any further Purchases and Pre-Authorized Payments made in the First 3 Months will earn Cash Back Dollars at the regular accelerated 3% rebate that applies to each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments as set out in your Cardholder Agreement ("Accelerated Rebate"). Applicability of Welcome Bonus Rebate: Welcome Bonus Rebate is in place of, and not in addition to, the Accelerated Rebate. $15,000 Cap on each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments: After the First 3 Months, the Accelerated Rebate will apply to all Gas Purchases, Grocery Purchases and Pre-Authorized Payments charged to your Account up to a $15,000 maximum net annual spend ("$15,000 Cap") for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments. After the $15,000 Cap is reached annually in a Gas Purchases, Grocery Purchases or Pre-Authorized Payments category, all additional spend in the corresponding category will earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments will be reduced by the actual corresponding amount of Gas Purchases, Grocery Purchases and Pre-Authorized Payments made in the First 3 Months. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Merchant Category Codes: To earn the Welcome Bonus Rebate on Gas Purchases and Grocery Purchases, the Gas Purchase or Grocery Purchase must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Welcome Bonus Rebate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Welcome Bonus may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available customers who have activated and/or closed a TD Cash Back Visa Infinite* Account in the last 12 months.

3 Earn 3% in Cash Back Dollars ("Gas Rebate") for each $1.00 in Purchases of gas or gas station services or products ("Gas Purchases") charged to your TD Cash Back Credit Card Account ("Account") and earn 3% in Cash Back Dollars ("Grocery Rebate") for each $1.00 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas Purchase or Grocery Purchase, as applicable. $15,000 Cap: Each of the Gas Rebate and the Grocery Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached for either Gas Purchases or Grocery Purchases, then any further Gas Purchases and Grocery Purchases made on the Account will only earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Gas Rebate and Grocery Rebate: Each of the Gas Rebate and the Grocery Rebate is in place of, and not in addition to, the Standard Rebate. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases and Grocery Purchases will be reduced by the actual corresponding amount of Gas Purchases and Grocery Purchases made in the first 3 months of Account opening ("First 3 Months") that are subject to the Welcome Bonus in Cash Back Dollars. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Merchant Category Codes: To earn the Gas Rebate and/or Grocery Rebate, the Gas Purchases and/or Grocery Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Gas Rebate or Grocery Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4 Earn 3% in Cash Back Dollars ("PAP Rebate") on each $1.00 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Cash Back Credit Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Pre-Authorized Payment. $15,000 Cap: The PAP Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for Pre-Authorized Payments will be reduced by the actual corresponding amount of Pre-Authorized Payments made in the first 3 months of Account opening ("First 3 Months") that are subject to the Welcome Bonus in Cash Back Dollars. For example, if you set up $2,000 in Pre-Authorized Payments in the First 3 Months, the $15,000 Cap for Pre-Authorized Payments will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5 Earn 1% in Cash Back Dollars ("Standard Rebate") on each $1.00 for all other Purchases ("Other Purchases") charged to your TD Cash Back Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Other Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6 Account must be open and in good standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Infinite* Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp

7 TD Auto Club is provided by AXA Assistance Canada Inc. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.

8 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 10-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.

9 The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite* Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes, no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite* Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite* Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite* card.

10 You must be an eligible Visa Infinite* cardholder with a valid Canadian issued Visa Infinite* card to take advantage of the Visa Infinite* benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available online at www.visainfinite.ca/infinite/terms.jsp. The Visa Infinite* privacy policy (available online at www.visainfinite.ca/infinite/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite* Concierge or the Visa Infinite* website. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite* cardholders are subject to such third parties’ own privacy policies.

11 Provided by Avis Rent A Car System LLC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre/miles charges only and other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System LLC.

12 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate is based on time and kilometre/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

13 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

14 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

15 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only

16 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

17 Cash Advance is subject to available credit. Fees apply to each Cash Advance and Cash Advances accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made.

* Trademark of Visa International Service Association and used under license.

All trade-marks are the property of their respective owners.

®The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

Coin image© 2017 Royal Canadian Mint. All rights reserved

The Click to Pay icon () is a trademark owned by and used with permission of EMVCo, LLC.

Источник: https://www.td.com/ca/en/personal-banking/products/credit-cards/cash-back/cash-back-visa-infinite-card/

Zero-interest credit cards (or 0% intro APR credit cards) let cardholders make payments with no interest charges on purchases, balance transfers or both for a set period of time. Your entire payment (except for any fees) is applied to your balance. After the introductory period expires, you begin paying a predetermined interest rate.

The best zero-interest credit cards tout long promotional APR periods, usually between 14 to 21 months and can save you hundreds or thousands of dollars in interest. Below you’ll find the top offers from our partners, followed by a full list of editor picks.

Zero-interest credit cards (or 0% intro APR credit cards) let cardholders make payments with no interest charges on purchases, balance transfers or both for a set period of time. Your entire payment (except for any fees) is applied to your balance. After the introductory period expires, you begin paying a predetermined interest rate.

The best zero-interest credit cards tout long promotional APR periods, usually between 14 to 21 months and can save you hundreds or thousands of dollars in interest. Below you’ll find the top offers from our partners, followed by a full list of editor picks.

Источник: https://www.creditcards.com/zero-interest/

You can get more out of your everyday purchases with the right cash-back credit card. Some cash-back credit cards offer flat-rate perks, like 1% to 2% cash back on all purchases, while others reward you at higher rates, between 2% and 6%, when you spend money on groceries, at gas stations or even with certain retailers. And, cash-back credit cards can help you earn a little extra back every time you purchase a holiday gift.

When you earn cash back, your rewards usually show up as a statement credit that can be used to pay your bill or be deposited into your bank account. Every time you use your credit card on eligible purchases, you'll earn real dollars and cents back. It's that simple. Check out our picks of the best cash-back credit cards below. We update this list continuously to make sure you stay informed of the best opportunities available. 

Intro Bonus$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

APR13.99% - 23.99% Variable APR on purchases and balance transfers

Recommended Credit Excellent/Good

Reward Rates
  • Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • Earn unlimited 1% on all other purchases.

Annual Fee$0

Intro Purchase APR0% Intro APR for 15 billing cycles for purchases

Intro Balance Transfer APR0% Intro APR for 15 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.

Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.

Balance Transfer APR13.99% - 23.99% Variable APR on purchases and balance transfers

Late Payment Fee Up to $40

Foreign Transaction Fees 3%

Penalty APR up to 29.99% APR

  • Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases)
  • Earn unlimited 1% on all other purchases.

Our Take

Most cards that offer category selection for maximized cash rewards limit these selections to a single quarter. But the Bank of America Customized Cash Rewards credit card* allows you to select "online shopping" as an indefinite rewards category where you can earn 3% cash back rewards. Note that you must manually choose this category via online banking or the mobile banking app, as the default category is "gas." 

You can also earn 2% cash back at grocery stores and wholesale clubs (earn 3% and 2% cash back on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%), and 1% cash back on all other purchases. The welcome bonus doesn't hurt, either.

Intro Bonus$200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

APR14.99% - 24.74% Variable

Recommended Credit Excellent/Good

Reward Rates
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% on travel purchased through Chase Ultimate Rewards®.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases.
  • Unlimited 1.5% cash back on all other purchases.

Annual Fee$0

Intro Purchase APR0% Intro APR on Purchases for 15 months

Intro Balance Transfer APR0% Intro APR on Balance Transfers for 15 months

Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.

Balance Transfer APR14.99% - 24.74% Variable

Foreign Transaction Fees 3% of each transaction in U.S. dollars

Penalty APR Up to 29.99%

  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% on travel purchased through Chase Ultimate Rewards®.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases.
  • Unlimited 1.5% cash back on all other purchases.

Our Take

While there are a few contenders for the best grocery credit card, the Chase Freedom Unlimited offers a grocery deal that's hard to beat. Not only does it offer one of the highest cash-back rates for grocery store purchases at 5% (not including Target or Walmart purchases), but it has one of the highest spending caps for this category as well, at $12,000 on these purchases for the first year. So you can earn up to $600 cash back in the first year, just on groceries -- that's without mentioning the other cash back rewards categories this card offers.

Intro BonusEarn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

APR13.99%-23.99% Variable

Recommended Credit Excellent,Good

Reward Rates
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases

Annual Fee$0 introductory annual fee for the first year, then $95.

Intro Purchase APR0% on purchases for 12 months

Balance Transfer Fee N/A

Late Payment Fee Up to $40

Foreign Transaction Fees 2.7% of each transaction after conversion to US dollars.

Penalty APR 29.99% Variable

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases

Our Take

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

While there are a lot of other quality gas cards available, the Blue Cash Preferred Card from American Express boasts simplicity with straightforward cash-back rewards and no annual fee for the first year ($95 annually after that). With 3% cash back at US gas stations, it gets one of the highest returns on the market for gas purchases. 

Even for city dwellers and commuters, this card offers great transportation benefits with 3% cash back on transit (trains, buses, parking, rideshare services, taxis, tolls and more). There are plenty more cash-back categories to enjoy with this card, as well. Cash back is received in the form of Rewards Dollars that can be redeemed for a statement credit.

Intro Bonus$300 after you spend $3000 on purchases within 3 months from account opening

APR15.99% - 23.99% (Variable)

Recommended Credit Excellent, Good

Reward Rates
  • Earn unlimited 4% cash back on dining, entertainment and popular streaming services
  • Earn 3% at grocery stores
  • Earn 1% on all other purchases

Annual Fee$95

Intro Purchase APRN/A

Intro Balance Transfer APRN/A

Balance Transfer Fee None for balances transferred at the Transfer APR.

Balance Transfer APR15.99% - 23.99% (Variable)

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

  • Earn unlimited 4% cash back on dining, entertainment and popular streaming services
  • Earn 3% at grocery stores
  • Earn 1% on all other purchases

Our Take

With the Capital One Savor Cash Rewards Credit Card*, you can earn an unlimited 4% cash back on dining and takeout. The $300 welcome bonus (when you spend at least $3,000 within the first 3 months of account opening) can essentially cover your annual fee ($95) for the first three years.

You can even earn more cash-back rewards when you make purchases on entertainment (4%), popular streaming services (4%) and grocery stores (3%). For everything else, a 1% cash-back rate covers you. If you want to avoid the annual fee, or don't have a very large dining and entertainment budget, you may also want to consider this card's sibling, the Capital One SavorOne Cash Rewards Credit Card*, or some of our other best picks for restaurant credit cards.

Intro BonusNew! Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

APR14.99%-24.99% (Variable)

Recommended Credit Excellent, Good

Reward Rates
  • Earn unlimited 2% cash rewards on purchases

Annual Fee$0

Intro Purchase APR0% intro APR for 15 months from account opening

Intro Balance Transfer APR0% intro APR for 15 months from account opening on qualifying balance transfers

Balance Transfer Fee up to 5%; min: $5

Balance Transfer APR14.99%-24.99% (Variable)

Foreign Transaction Fees 3%

Penalty APR None

  • Earn unlimited 2% cash rewards on purchases

Our Take

It doesn't get simpler than the Wells Fargo Active Cash Card*. This card boasts a 2% flat cash rewards rate on purchases -- the highest flat cash-back rate on the market. You don't have to worry which card you're going to use for which purchase. And while there are other cash-back credit cards that'll net you 2%, the sign-on bonus, $0 annual fee and introductory APR make this card stand out among the competition. This is also a great option for an emergency credit card.

FAQs

How do cash-back credit cards work?

Cash-back credit cards offer cardholders rewards on their spending in the form of statement credits or cash. A statement credit is a reduction in the amount due to the credit card company on your monthly bill. Note that rewards are not always available the month you earn them -- they are usually applied to your balance by credit card issuers after one or two billing cycles.

The redemption process for cash-back credit cards is either automatic or very simple. Some cards automatically apply cash rewards to your statement balance each month. Others require you to log in and redeem available rewards points for statement credits. Most points don't expire, but you will lose them if you close the account before redeeming them. 

What types of cash-back credit cards are there?

Cash-back credit cards generally fall into four primary categories: flat-rate, tiered, rotating or choose your own. 

Flat-rate cards offer the same rate for every purchase. Tiered cards offer a different rewards rate for different categories of spending. Rotating category cards offer different rewards each quarter, determined by the card issuer. Choose-your-own category cards allow you to choose your rewards category.

How do you choose a cash-back credit card?

To choose the best cash-back credit card for you, the most important thing is to have a clear idea of how you're already spending money each month. Once you identify the categories where you have the highest, most consistent spending, use the charts in our list to determine which card will net you the highest return. Consider other features of the cards, too, such as APR, sign-on bonuses and foreign transaction fees -- make sure you get something that fits with your lifestyle and spending habits.

Your credit card choice may also be affected by your credit score. Most of the cards we recommend require a good or excellent credit score, which is typically around 670 or higher. If you don't meet the credit criteria required, there are credit cards available that are specifically for those trying to rebuild credit, like secured credit cards. Alternatively, you can look into the best credit cards for no credit and the best credit cards for bad credit.

How we picked the best cash-back credit cards

We prioritized the cash-back credit cards that reward broad spending categories where Americans tend to spend significant amounts of money, instead of narrow categories like streaming services or "home improvement." Then we compared reward offerings with potential returns based on typical spending budgets derived from Bureau of Labor Statistics data. 

In the end, we chose five high-value options from the crowded market. Some are no-annual-fee, flat-rate credit cards that earn the same amount on all purchases. Some require you make a certain qualifying purchase to start earning cash-back rewards. Some credit cards offer a sign-up bonus reward as well as cash back. Some are limited to specific spending categories (such as whether it's a grocery purchase, gas purchase, dining, transit or travel) but have a higher rewards rate, while others charge an annual fee. We then outlined important information for each card, including whether it has a transfer fee, bonus redemption thresholds or introductory APR. We also specified general credit requirements for eligibility (if you find you aren't eligible for a card that offers cash-back rewards, try a student credit card first). 

For rates and fees of the Blue Cash Preferred Card from American Express, click here.

*All information about the Bank of America Customized Cash Rewards credit card, Wells Fargo Active Cash Card, Capital One Savor Cash Rewards Credit Card and the Capital One SavorOne Cash Rewards Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

A direct deposit of news and advice to help you make the smartest decisions with your money.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Источник: https://www.cnet.com/personal-finance/credit-cards/best-cash-back-credit-cards/
Apple Card and issuer Goldman Sachs ranked No. 1 in customer satisfaction among the Midsize Credit Card Issuers segment by J.D. Power.Learn more

The simplicity of Apple.
In a credit card.

With Apple Card, we completely reinvented the credit card. Your information lives on your iPhone, beautifully laid out and easy to understand. We eliminated fees and built tools to help you pay less interest, and you can apply in minutes to see if you are approved with no impact to your credit score. Advanced technologies like Face ID, Touch ID, and Apple Pay give you a new level of privacy and security.
And with every purchase you get Daily Cash back. Apple Card. It’s everything a credit card should be.

Created by Apple.
Powered by iPhone.

Built for iPhone

Apple Card lives on your iPhone, in the Wallet app. You can sign up in as little as a minute and start using it right away with Apple Pay. Your transactions, payments, and account details are all in one place, where only you can see them. You even make your payments right in the Wallet app — just select your amount, tap, and it’s done.

No Fees

We want to make it easier to pay down your balance, not harder. So Apple Card doesn’t have any fees. No annual, over-the-limit, foreign-transaction, or late fees. No fees. Really. And our goal is to provide interest rates that are among the lowest in the industry. Because your credit card should work for you, not against you.

The first credit card that actually encourages you to pay less interest.

Pay Less Interest

Most credit cards emphasize your minimum amount due. But when you pay only your minimum each month, it costs you a lot in interest over time. Apple Card is different. When you’re ready to make a payment, Apple Card estimates the interest you’ll wind up paying, based on any payment amount you choose. And it does that in real time, so you can make an informed decision about how much of your balance to pay down.

Unlimited
Daily Cash back.

Real cash you can use right away.

Unlimited Daily Cash

When you buy something using Apple Card, you get a percentage of your purchase back in Daily Cash. It’s real cash, so unlike rewards, it never expires or loses its value. Your cash is deposited right onto your Apple Cash card in the Wallet app — not a month from now, but every day. And there’s no limit to how much you can get. Use it to buy things in stores, on websites, and in apps. Make a payment on your Apple Card. Pay back a friend in Messages. Or send it straight to your bank account and watch it add up.

Get 3% Daily Cash back when you shop at Apple.

3% Daily Cash at Apple

Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple — whether it’s a new Mac, an iPhone case, games from the App Store, or even a service like Apple Music or Apple TV+.

Get 2%
Daily Cash
back

when you use your iPhone
or Apple Watch to pay
with Apple Card.

2% Daily Cash

The best way to use Apple Card is with Apple Pay — the secure payment technology built into iPhone, Apple Watch, iPad, and Mac and accepted at 85 percent of merchants in the United States. Apple Pay is a safer way to pay that helps you avoid touching buttons or exchanging cash. And with every purchase you make using your Apple Card with Apple Pay, you get 2% Daily Cash back. No points to calculate. No limits or deadlines. Just real cash that’s ready to spend whenever, wherever, and however you want.

Shop with select merchants and get even more Daily Cash.

3% Daily Cash

Apple Card gives you unlimited 3% Daily Cash back on purchases you make at select merchants when you use Apple Card with Apple Pay.

  • Duane Reade
  • Exxon
  • Mobil
  • Nike
  • Panera Bread
  • T-Mobile
  • Uber
  • Uber Eats
  • Walgreens

Apple Card Family

Healthy finances.
Family style.

Apple Card Family

Apple Card Family brings all the great features and benefits of Apple Card to your entire family — whether that’s your immediate family, extended family, or whoever you call family. It allows two partners to merge credit lines to form a single co-owned account, manage that account together, and build credit as equals. Participants 18 and older can choose to start building their own credit history, and teens can learn better spending habits. And, family members receive Daily Cash back on their own purchases.

Learn more about Apple Card Family

Goodbye, plastic.
Hello, titanium.

Titanium Card

With laser etching and clean styling, Apple Card is designed with the same craftsmanship we bring to all our products. And it’s the only credit card made of titanium — a sustainable metal known for its beauty and durability. When you use the card, you’ll get 1% Daily Cash back on every purchase. Since Mastercard is our global payment network, you can use it all over the world. For apps and websites that don’t take Apple Pay yet, just enter the virtual card number stored securely in your Wallet app. And when you’re using Safari, it even autofills for you.

Privacy and Security

Your card.

Your data.

Your business.

Privacy and Security

Apple takes your privacy and security seriously. It’s not just a philosophy, it’s built into all our products. And Apple Card is no different. With advanced security technologies like Face ID, Touch ID, and unique transaction codes, Apple Card with Apple Pay is designed to make sure you’re the only one who can use it. The titanium card has no visible numbers. Not on the front. Not on the back. Which gives you a whole new level of security. And while Goldman Sachs uses your data to operate Apple Card, your transaction history and spending habits belong to you and you alone. Your data isn’t shared or sold to third parties for marketing or advertising.

Pay for your
new Apple products
over time,
interest‑free

when you choose to
check out with Apple Card Monthly Installments.

Apple Card Monthly Installments

You can buy a new Mac, iPhone, iPad, Apple Watch, and more with interest-free monthly payments on purchases at Apple. Just choose Apple Card Monthly Installments and then check out. Your installment automatically appears on your Apple Card statement alongside your everyday Apple Card purchases in the Wallet app. If you have an eligible device to trade in, you’ll pay even less per month. And you’ll get 3% Daily Cash back on the purchase price of each product, all up front. If you have Apple Card already, there’s no additional application. If you don’t, you can apply in as little as a minute during checkout, from the privacy of your iPhone.

Learn more about Apple Card Monthly Installments

Trusted partners for a different kind of credit card.

Partnerships

To create Apple Card, we needed an issuing bank and a global payment network. Apple Card is the first consumer credit card Goldman Sachs has issued, and they were open to doing things in a new way. And the strength of the Mastercard network means Apple Card is accepted all over the world.

Get started
with Apple Card.

Apply in minutes to see if you are approved with no impact to your credit score.

Apply now

Wallet

All your credit and debit cards,
transit cards, boarding passes,
and more. All in one place.

Learn more

Apple Pay

The safer way to make
secure,

contactless purchases
in stores and online.

Learn more

Apple Cash

Use it to send and receive

money in Messages and wherever

Apple Pay is accepted.

Learn more

Источник: https://www.apple.com/apple-card/

DISCOVER IT® CASH BACK CREDIT CARD

You earn cash back, we match it all your first year

Discover offers this cash rewards credit card and matches all the cash back you’ve earned at the end of your first year.1

No annual fee

* Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

There’s no annual fee for your Discover it® Cash Back credit card. Not now. And not hiding a year from now.

Discover it® Cash Back Credit Card

Why Discover it ® Cash Back rewards credit card?

Five Percentage

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,8 grocery stores, restaurants, gas stations and when you pay using PayPal,15 up to the quarterly maximum when you activate.

One Percentage

Earn 1% cash back on all other purchases – automatically.  

2x cash back

With Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.1

Get 5% cash back rewards at select places throughout the year

5% at Grocery Stores and Fitness Club & Gym Memberships

on up to $1,500 in purchases when you activate. Excludes Walmart and Target purchases.2

5% at Gas Stations and Target

on up to $1,500 in purchases when you activate.3

5% at Restaurants and PayPal

on up to $1,500 in purchases when you activate.4

5% at Amazon.com and Digital Wallets

on up to $1,500 in purchases when you activate. 5

99% nationwide acceptance — Discover is accepted by 99% of the places across the country that take credit cards.6

No annual fee

* Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

0% Intro APR for 14 months on purchases and balance transfers. 3% Intro Balance Transfer Fee until . Then 11.99% to 22.99% Standard Variable Purchase APR and up to 5% fee for future balance transfers will apply.

The security you expect from Discover

Activate Social Security Alerts and Discover will send you an alert if your Social Security number is found on any Dark Web sites.

Activate free Social Security Number Alerts

Activate and we’ll send you an alert if your Social Security number is found on any of thousands of Dark Web sites.10

Freeze your account to prevent new purchases, cash advances, and balance transfers.

Turn your account on/off with Freeze it®

If you misplace your card, freeze your account on our mobile app or website to prevent new purchases, cash advances and balance transfers.11

Источник: https://www.discover.com/credit-cards/cash-back/it-card.html
best 0 apr cash back credit cards

2 Replies to “Best 0 apr cash back credit cards”

  1. Harsh Goyal through yono only nowadays u can apply fr digital savings account where u will have access to internet banking whereas the basic savings account u will not....

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