4 Credit Cards That Reward You for Putting Dinner on the Table

Cash-back credit cards can help earn money back when you spend at the grocery store.

[Disclosure: Cards from our partners are mentioned below.]

Whether you’re feeding a family of five or trying to craft the perfect Bolognese sauce, it can be easy to drop serious cash at the grocery store. (Although every meal doesn’t have to be pricey. Just take a look at this satisfying 16-cent breakfast.) But putting that expense on your credit card may actually help you save on this necessary expense.

Cash back credit cards can help by earning back money as you spend at the grocery store and put meals on the table. If this is something you’re interested in, you’ll want to consider your options before signing up for a new card so you can find the one that’s right for you. To help you get started, here are four options worth considering.

1. Blue Cash Preferred Card From American Express

Cash Back Rewards: 6% cash back at U.S. supermarkets (on up to $6,000 per year, then it drops to 1%), 3% cash back at U.S. gas stations and certain department stores, 1% cash back on everything else
Signup Bonus: $150 when you spend $1,000 in the first three months
Annual Fee: $95
Annual Percentage Rate (APR): 0% intro APR for 12 months, then variable 13.99% to 24.99%
Why We Picked It: The 6% cash back on groceries is the highest cash back rate we’ve seen, and 3% cash back on gas makes trips to and from the grocery store more rewarding.
Benefits: Grocery purchases earn 6% cash back, gas stations and select department stores earn 3% cash back and everything else earns 1% cash back. Considering the dent gas, groceries and clothing can put in a family’s budget, this is a fantastic way to supercharge your cash rewards. Plus, you get a $150 cash bonus for spending $1,000 in three months and a year of interest-free purchases and balance transfers.
Drawbacks: There’s an annual fee of $95, which can eat into your cash back earnings a little bit.

2. Premier Dining Rewards From Capital One

Cash Back Rewards: 3% cash back on dining, 2% cash back on groceries, 1% cash back on everything else
Signup Bonus: $100 when you spend $500 in the first three months
Annual Fee: None
APR: Variable 15.24%, 20.24% or 24.24%
Why We Picked It: The card earns 2% cash back on groceries and 3% cash back on dining for those nights you want to order a pizza.
Benefits: There’s 3% cash back on dining, 2% cash back on groceries and 1% cash back on all purchases, which is a healthy mix of ways to earn cash if you tend to cook and dine or order out a lot. Cardholders get a $100 bonus when they spend $500 in the first three months. Plus, you’ll get a range of other benefits, including concierge services, price protection, travel protection and travel upgrades and savings.
Drawbacks: If you don’t dine out a lot, you’ll be better off with a card that offers a better grocery rate.

3. Citi Double Cash

Cash Back Rewards: 1% cash back on all purchases and 1% cash once you pay, for a total of 2% cash back on everything
Signup Bonus: None
Annual Fee: None
APR: Variable 14.49% to 24.49% on purchases, 0% intro APR for 18 months on balance transfers, then variable 14.49% to 24.49%
Why We Picked It: This card provides simple cash back earnings with no purchase types to track. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
Benefits: All purchases can earn 2% cash back by the time they’re paid off. You get 18 months of no interest on balance transfers. Plus, Citi has several travel and purchase protection policies that come standard with the card.
Drawbacks: If you want supercharged cash back categories, this probably isn’t the card for you. It’s a simple card that earns the same percentage of cash back on everything.

4. Costco Anywhere Visa Card by Citi

Cash Back Rewards: 4% cash back on up to $7,000 in eligible gas purchases (then 1%), 3% cash back on dining and travel, 2% cash on Costco purchases, 1% cash back on everything else
Signup Bonus: None
Annual Fee: None (Note: This card does require a paid Costco membership)
APR: 0% intro APR for purchases for seven months, then 16.24%
Why We Picked It: For people who spread their credit card purchases around, this card offers a range of ways to earn cash back, with 2% cash back on all Costco purchases.
Benefits: The card earns cash back on all purchases, with special cash back rates on gas, dining, travel and Costco purchases. Purchases are interest-free for the first seven months. Plus, travel and purchase protections come standard with Citi cards.
Drawbacks: You’ll have to be a Costco member to get this card. Cash back is awarded on an annual basis, so you must wait a year for rewards.

How to Choose a Card That Rewards Your Grocery Purchases

If you only use your credit card to buy groceries, picking a card to put dinner on your table is simple: Choose the card with the best cash back rate on groceries.

If you put other purchases on your card, such as dining, travel, gas and more, you’ll want to closely examine the other cash back rates to pick the right card. Look at your current purchasing behavior to see what you tend to spend the most on, and pick a cash back card that provides the best return.

Of course, if you crave simplicity and don’t want to track purchase types, you may want to find the card with the best flat cash back rate on all purchases.

What Is Required to Get a Card That Rewards Grocery Purchases?

More often than not, the cash back rewards cards with the highest rewards require good or excellent credit. Make sure to check your credit score before you apply for a rewards card. You can check two of your scores on Credit.com. A hard inquiry into your credit will lower your score a few points, so you’ll want to be reasonably sure you can qualify for the card before you apply.

Image: franckreporter 

At publishing time, the Blue Cash Preferred from American Express, Capital One Premier Dining Rewards, Citi Double Cash and Costco Anywhere Visa credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 4 Credit Cards That Reward You for Putting Dinner on the Table appeared first on Credit.com.

5 Credit Cards That Take the Bite out of Pricey Pet Bills

The cost of pet supplies can add up, but these cards can help you save.

[Disclosure: Cards from our partners are mentioned below.]

Your pets are more than just cute — they’re members of the family. Like any family member, you want to keep them happy and healthy. But the cost of pet food, veterinarian visits, medication and other supplies can add up.

Some credit cards make spending on your pet a walk in the park using cash back, rewards points or 0% interest offers.

The best cards for pet lovers make it easier to afford your animal friends. These credit cards do the trick.

1. American Kennel Club Visa

The Draw: Three points per dollar spent at pet stores, vets and the AKC, two points per dollar spent on gas and groceries and one point per dollar spent on everything else
Signup Bonus: None
Annual Fee: None
APR: Variable 12.98%, 18.99% or 22.99%
Why We Picked It: This card rewards pet purchases, helps with gas and groceries and supports the AKC.
Benefits: All purchases made on this card earn rewards points, with special value put on pet, fuel and grocery expenses. Points can be redeemed for travel, merchandise, gift cards and more. Plus, a percentage of sales made on the card goes to benefit the AKC, an organization that supports dog breeders and canine health. You can get your card customized to include your pet’s photo.
Drawbacks: If you’re not a fan of dog breeding, keep looking.

2. Chase Freedom

The Draw: 5% cash back on rotating bonus categories on up to $1,500 in combined purchases each quarter, and 1% unlimited cash back on everything else
Signup Bonus: $150 when you spend $500 in the first three months
Annual Fee: None
APR: 0% for 15 months, then variable 15.74% to 24.49%
Why We Picked It: The card earns 5% cash back on rotating categories, but Shop through Chase can help you save on pet purchases.
Benefits: Cardholders earn 5% cash back on quarterly rotating categories such as grocery stores and gas. All other purchases earn 1% cash back. You’ll also get access to Shop through Chase, which offers 1% to 15% extra cash back rewards at select online retailers, including PetSmart. Plus, there’s a $150 signup bonus.
Drawbacks: If you don’t want to track and activate cash-back categories on a quarterly basis, this card will be a headache.

3. Amazon Rewards Visa Card

The Draw: 3% cash back at Amazon.com (5% if you have Amazon Prime), 2% cash back at restaurants and drugstores and 1% cash back on everything else
Signup Bonus: None
Annual Fee: None
APR: Variable 14.99% to 22.99%
Why We Picked It: If you prefer to shop for your furry friends online, the Amazon card can help you earn back some money.
Benefits: Your earnings can be redeemed for cash back, Amazon purchases and more. With cash back ranging from 3% to 5% on Amazon.com purchases, you can save on those bulk bags of dog food.
Drawbacks: This card won’t deliver as much value if you prefer to shop at brick-and-mortar locations.

4. Blue Cash Preferred Card from American Express

The Draw: 6% cash back at supermarkets on up to $6,000 in purchases per year, 3% cash back at gas stations and select department stores and 1% cash back on everything else
Signup Bonus: $150 bonus cash back when you spend $1,000 in the first three months
Annual Fee: $95
APR: 0% for 12 months, then variable 13.74% to 24.74%
Why We Picked It: This card is a no-brainer if you make pet purchases at the grocery store.
Benefits: With 6% cash back at supermarkets, this card can earn cash quick if you make pet purchases at the grocery store. Plus, that $150 bonus boosts the first-year value of the card.
Drawbacks: You’ll have to pay an annual fee of $95.

5. Citi Simplicity

The Draw: A 0% intro APR period that’s perfect for big balances
Signup Bonus: None
Annual Fee: None
APR: 0% for 21 months, then variable 14.24% to 24.24%
Why We Picked It: For large vet bills, this card offers plenty of time to pay down your balance interest-free. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
Benefits: The card’s greatest asset is the 21-month intro 0% APR offer. If you have a large vet bill coming due, charging it to this card (or initiating a balance transfer) would give you nearly two years to pay it off with no interest.
Drawbacks: There are no rewards points or cash-back offers, so the card isn’t as valuable for everyday spending.

How to Choose a Card for Pet Expenses

If you’re looking for a card solely for pet expenses, choose a card that most rewards your supplier of choice. For instance, if you buy all your pet supplies online, the Amazon.com credit card might be best. If you buy all your supplies at grocery stores, a card with a high grocery store cash-back rate would be appropriate. If you need to transfer a hefty vet bill from an existing card to a new one, a card with a long intro 0% APR period would be suitable.

However, if you also plan to use your card for everyday spending, you’ll probably want to look at your spending activity and choose a card that will reward your overall behavior. This way, you’ll get rewarded on everything you buy.

Consider your goals, spending habits and the needs of your animal companions before you choose a card.

What Is Required to Get a Credit Card for My Pet Spending?

Cards with cash back, spending rewards and other enticing offers usually require good to excellent credit. You should know where your credit stands before you apply for a credit card, as a hard inquiry into your credit can lower your score a few points. You can check your score for free on Credit.com before you apply to reduce the risk of a rejected application.

Image: bluecinema 

At publishing time, the Chase Freedom, Citi Simplicity and Blue Cash Preferred Card from American Express credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 5 Credit Cards That Take the Bite out of Pricey Pet Bills appeared first on Credit.com.

3 Credit Cards for Bad Credit That Actually Offer Rewards

While most credit cards for people with bad credit don't have many perks, a few provide cash back or travel rewards.

[Disclosure: Cards from our partners are mentioned below.]

If you have bad credit, you may think you’re automatically unqualified for credit cards that offer cash back or travel rewards. For many cards, that may be true.

But you’re not necessarily locked out of earning rewards. While most credit cards for people with bad credit don’t have many perks, a few provide cash back or travel rewards. Here are three. (Note: You should always check with the card issuers for specific terms and conditions before applying for any card.)

1. Discover it Secured

Rewards: 2% cash back on up to $1,000 spent at restaurants and gas stations, 1% cash back on all other purchases
Signup Bonus: Discover matches the cash back you earn in the first year.
Annual Fee: None
Annual Percentage Rate (APR): Variable 23.74%
Why We Picked It: This secured card offers cash back on everything, with an extra incentive for dining and gas purchases.
Benefits: Secured credit cards require a security deposit equal to your credit line. For instance, a $300 deposit lands you a $300 limit on your card. Discover’s secured card offers 2% cash back at restaurants and gas stations and 1% cash back on everything else. Plus, they’ll match the cash back you earn your first year.
Drawbacks: You’ll need an upfront security deposit of at least $200 to access this card.

2. Credit One Bank Cash Back Rewards Visa

Rewards: 1% cash back on all eligible purchases
Signup Bonus: None
Annual Fee: $0 to $75 the first year, $0 to $99 after
APR: Variable 15.65% to 24.15%
Why We Picked It: This unsecured card provides 1% cash back on all eligible purchases.
Benefits: Credit One Bank’s cash-back cards earn 1% cash back on eligible purchases, which vary based on which of their five cash back cards you qualify for. Eligible purchases may include gas, groceries, utility bills and dining.
Drawbacks: Credit One isn’t transparent on how they determine which of their cash-back cards you’ll receive, and there’s a highly variable annual fee.

3. AeroMexico Visa Secured Card

Rewards: Two miles for every dollar spent on gas and groceries, one mile for every dollar spent on everything else
Signup Bonus: 5,000 bonus miles with your first purchase and a companion flight certificate
Annual Fee: $0 the first year, $25 after
APR: Variable 23.74%
Why We Picked It: Frequent AeroMexico flyers can earn miles toward their flights.
Benefits: This secured card earns two miles per dollar spent on gas and grocery purchases and one mile per dollar spent on other purchases. Points are redeemable for AeroMexico flights. New cardholders get a bonus of 5,000 miles and a round trip flight for a companion. There’s also an annual $99 companion certificate. All flights get a complimentary checked bag.
Drawbacks: If you prefer another airline, you won’t get much mileage out of this card.

How to Choose a Rewards Card for Bad Credit

Choosing a rewards card for bad credit depends on your financial circumstances. One of the most important reasons to get a card for bad credit is to rebuild your credit, so you’ll want to choose a card that can help you do that.

Pay attention to the fees and APR associated with any card you’re considering. While a security deposit for a secured card may seem like a steep upfront expense, it might be worth it if you can avoid higher fees later.

Choose a card that rewards your spending habits and provides incentives for the types of purchases you tend to make. And make sure you’re avoiding these seven red flags as you’re deciding on a credit card for bad credit.

What Is Required to Get a Rewards Card for Bad Credit?

Many credit cards for bad credit are available to consumers with a checkered or nonexistent credit history, but that doesn’t mean you’re guaranteed to qualify. Before you apply, you should know your credit score so you can have a better idea of what cards are right for you. You can check two of your credit scores for free with Credit.com.

Image: Astarot

At publishing time, the Discover it Secured and Credit One Cash Back Rewards Visa credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 3 Credit Cards for Bad Credit That Actually Offer Rewards appeared first on Credit.com.

Love the Boys of Summer? Then This Credit Card Is a Home Run

Show your team spirit with this Major League Baseball-themed credit card from Bank of America.

[Disclosure: Cards from our partners are mentioned below.]

Baseball fanatics can drop a lot of cash on the sport they love, whether it’s season tickets, World Series parties, team merch or hot dogs at the game. (But going to a game doesn’t have to break the bank — in fact, it may even be possible for two people to go to a game for less than $100, which you can read more about here.)

If you’re a lover of America’s pastime, the BankAmericard Cash Rewards Mastercard can help you earn money back on your everyday purchases and further demonstrate loyalty to their favorite Major League Baseball (MLB) team with a team-inspired design.

Cash Back Any Way You Spend

Cardholders will earn cash back any way they spend. The card earns 3% cash back on gas purchases and 2% cash back at grocery stores and wholesale clubs on up to $2,500 in combined purchases each quarter. Once you reach the quarterly cap, further gas, grocery and wholesale club purchases will earn 1% until the following quarter. All other purchases will earn unlimited 1% cash back.

Cash back rewards never expire, and there are no rotating spending categories to track. You can redeem your cash back at any time when you have a redemption value of $25 or greater.

Right now, Bank of America is offering a bonus $100 cash back when you spend $500 on your card in the first 90 days.

Bank of America customers can squeeze even more value from the card. Every time Bank of America account holders redeem their cash back as a deposit into an eligible checking or savings account, they’ll get a bonus 10% cash back boost. Bank of America Preferred Rewards customers with qualifying account balances or investment accounts can see even greater value, with bonus cash back on redemptions ranging from 25% to 75%.

Low Initial Cost

Cardholders can avoid interest for a year on purchases and balance transfers, as the card offers a 0% introductory annual percentage rate (APR) for 12 months. After that, a variable APR of 13.74% to 23.74% will apply.

There is no annual fee associated with the card. Foreign transactions will incur a fee of 3% of the transaction amount. Balance transfer fees are $10 or 3% of the transfer amount, whichever is greater.

Support Your Favorite Team

To show love for your favorite team, your card can be customized for your MLB team of choice. And it’s not just a simple logo in the corner of the card. Your card gets a unique design for your favorite team that takes up the entire front of the card. You can view the designs for each team on Bank of America’s application page.

Is The Card Right for You?

This cash back card is best suited for those who can take full advantage of the special cash back rates. If you spend a lot at gas stations, grocery stores and wholesale clubs, this card can deliver. Combine that with a year of 0% APR and a $100 signup bonus, and you see a card with a fantastic first year value.

However, if you aren’t a Bank of America customer, you’ll be giving up an extra 10% cash redemption bonus. And, if you tend to spread your credit card purchases around beyond gas stations and supermarkets, you might be better off with a card with a better, flat cash back rate.

Remember, cash back rewards credit cards generally require good to excellent credit to qualify. Because a hard inquiry into your credit can ding your score a few points, you’ll want to be reasonably sure you can qualify before you apply. You can see two of your credit scores absolutely free on Credit.com to get an idea of where you stand.

Image: adamkaz

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post Love the Boys of Summer? Then This Credit Card Is a Home Run appeared first on Credit.com.

10 Ways to Save at Dunkin’ Donuts

Because the best kind of donut is a free donut.

When it comes to iconic coffee brands, few rival Dunkin’ Donuts.

Known for its familiar pink-and-orange logo, Dunkin’ Donuts was founded in 1950 in Quincy, Massachusetts, and has grown to be a global powerhouse with more than 11,300 restaurants worldwide. A visit to a DD has become a familiar — and necessary — habit for millions of people.

If you’re one of them, wouldn’t you like to know how to get more coffee and donuts for less? With National Donut Day on June 2, we’re sure you do.

Note: Some of the offers below won’t apply, as franchisees decide which promotions to run. Be sure to call your favorite location to confirm participation.

So, do you run on Dunkin’? If so, here’s how to save.

1. Join DD Perks

DD Perks is Dunkin’ Donuts’ loyalty program, and if you visit the restaurant regularly, you need this app because it offers more than a mobile loyalty card. You get a free beverage just for signing up. And you get a free beverage on your birthday. Every month brings surprise offers, which could mean discounts, bonus points or extra treats with a purchase.

For every 200 points you earn, you get a free beverage. You get five points for every dollar you spend on qualifying products, which includes pretty much everything you’d expect. That’s one free beverage for every $40 you spend.

2. Get the App

The app ties into DD Perks so you don’t need to remember a number or carry a card. More importantly, it allows you to order ahead and skip the line.

3. Do the Receipt Survey

At the bottom of your receipt is an prompt to fill out a survey with a code. Hop on the computer or your phone, fill out the survey and you’ll get a code for a free donut with the purchase of a medium or large drink.

The best kind of donut is a free donut!

4. Check for Student Discounts

One of the best money tips for college students is to show your student ID at every opportunity. Check with your local Dunkin’ Donuts to see if they offer discounts for students and you may be pleasantly surprised.

Your local Dunkin’ Donuts may also host a happy hour. If they do, here’s how it works: Between 3 p.m. and 6 p.m., you can get coffee and teas at a big discount. These are regional offers, however, so call your local Dunkin’ Donuts to find out the details.

5. Buy Discounted Gift Cards

Visit your favorite gift card marketplaces to buy marked-down gift cards to Dunkin’. Despite the restaurant’s popularity, you can usually find gift cards at a significant discount online.

You can also buy discounted gift cards with a credit card, so stack those cash back rewards with the discounts for even more savings.

When you get the card, load it up onto the app for easy discounted Dunkin’ without having to juggle gift cards.

6. Use a Cash Back Credit Card

Hopefully you’ve budgeted for your Dunkin’ and, seeing as it’s something you’re already spending money on, may as well get something for it, right? A good rewards credit card can give you some sort of kickback, be it airline miles, hotel points or plain old cash back. Not sure which card to get? Check out this roundup of cash back cards great for shopping. Just make sure you don’t spend more than you can pay off each month. Otherwise, you’ll lose your rewards to interest. (Eyeing a new card? Be sure you’re able to qualify before applying. You can view two of your credit scores for free on Credit.com.)

7. Brew Your Own at Home

Dunkin’ sells bags of their coffee, so you can brew it at home.

If you have a Keurig coffeemaker, you can buy Dunkin’ Donuts coffee pods for less than a cup of coffee at the store. It’s just as easy to brew.

If you don’t have a Keurig, it’s a little bit more work, but it’s still cheaper. You get the flavor of Dunkin’ at a fraction of the price and skip a drive to your local store. Buying coffee at home is one of the ways I try to upgrade and save in my life. It’s not as easy to make homemade donuts, though.

8. Check Your Valpak or Coupon Mailers

Ours always include one from our local Dunkin’, but we live within five miles of a store. If you’re further away, your mailers may not include one.

If you threw out your mailer, go online and search for a printable coupon.

9. Remember National Doughnut Day

As we mentioned earlier, National Doughnut Day is the first Friday in June — this year, that falls on June 2 — and last year Dunkin’ Donuts gave customers a free classic donut with the purchase of any beverage.

10. Join AARP

If you’re an AARP member, you can get a free donut with a large or extra-large beverage when you show your card. The offer excludes croissant donuts, squares and fancies but includes everything else.

Looking for more brand hacks? You’re in luck — we have 19 ways to save at Target right here. Have a brand you’d like us to tackle? Let us know below in the comments. 

Image: ChristinLola

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 10 Ways to Save at Dunkin’ Donuts appeared first on Credit.com.

How to Redeem Cash Back with Citi

Citi is well known for offering quality credit cards with great balance transfer offers, but the Citi Double Cash card, in particular, is a strong contender for cash back rewards.

The Citi Double Cash card has no annual fee and offers unlimited 1% cash back on purchases plus an additional 1% cash back as you pay for those purchases.

This card also has a variable interest rate of 14.24% to 24.24% and a balance transfer APR of 0% for 18 months.

Even though Citi doesn’t have the highest cash back rate, the fact that you can earn unlimited cash back sets this card apart from others.

In this post, we’ll touch on:

  • How to earn and track cash back rewards with your Citi Double Cash card
  • Navigating through Citi’s online portal to access cash back rewards
  • How to redeem cash back rewards

How to Access Cash Back with Citi

To access your cash back rewards with your Citi Double Cash card, you’ll need to log in to your account by visiting Citi.com/credit-cards. You’ll see a screen similar to the one below. Then, you can log in with your credentials.

screen shot of Citi homepage

Next, you’ll see the main dashboard and all your card information. You’ll also see your cash back balance off to the right.

I have two Citi credit cards so I scrolled down to show my Citi Double Cash card along with where you can expect to see your cash back amount.

screen shot of Citi account dashboard

How to Redeem Cash Back

If you have a cash back balance that you’d like to redeem, you’ll want to click on the button that says “View/Redeem Cash Rewards.”

Once you click that button, you’ll be taken to a page that shows you an entire summary of your cash back earnings per billing statement.

Your cash back earnings will be split up between cash back earned from purchases and cash back earned from payments.

I just signed up for the Citi Double Cash card and have yet to make my first purchase so my cash back amount is currently $0, but when you have a balance, you’ll click the green button that says “Redeem” to move forward with redemption options.

Screen shot Citi redeem cash back

Next, you’ll be taken to a page with different redemption prompts to choose from. You need a balance of at least $25 in cash back before you can successful redeem your earnings.

Citi cash back buttons

As you can see, there are four different ways to redeem cash back with your Citi Double Cash card, and here is an explanation of each of them.

Gift Card

If you choose to redeem your cash back for a gift card, you must click the gift card option, then you’ll be directed to Citi’s gift card marketplace where you can choose from retail, restaurant, entertainment, and electronic gift cards.

Screen shot of Citi gift card redemption

Gift cards are worth $25, $50, and $100, and once you select one, Citi will mail it to you.

Statement Credit

You can also opt to use your cash back earnings as a statement credit to lower the current balance you owe on your Citi Double Cash card. Your statement credit will post to your account within 2-3 business days and will appear on your next statement after it is posted.

It’s also important to realize that Citi does not count a statement credit as a payment even though it will reduce your current balance. You must still make at least your minimum monthly payment by the due date if you want to avoid getting charged a late fee.

Direct Deposit

You can redeem cash back by transferring it directly to your bank account whether it’s a Citi account or not. In order to use this redemption option, you must have either linked your Citi checking or savings account OR have paid a Citi credit card bill at least two times from a non-Citi checking account.

Once you’ve done either of these things, all you need to do is enter in the amount you wish to deposit along with your account information when you redeem cash back via this option. The direct deposit will post to your account within 1-2 business days in most cases.

Check

The final option you have to redeem your cash back is to do so by paper check. Just make sure Citi has the correct address on file for you, then allow 7-10 business days for the check to arrive in the mail.

Final Word

The Citi Double Cash card has one of the easiest online cash back redemption processes, along with plenty of options to accommodate your preferences.

Keep in mind that payments based on balance transfers, interest, fees, and cash advances won’t earn 1%, but you will earn cash back on all other purchases plus additional cash back when you make at least your minimum monthly payment on time.

The Citi Double Cash card is unique in that it rewards you for paying your monthly credit card bill on time, which is a good habit to adopt.

While there is a minimum cash back balance required in order to redeem your rewards, you can track your progress regularly by logging into Citi’s online portal.

 

The post How to Redeem Cash Back with Citi appeared first on MagnifyMoney.

4 of the Most-Improved Credit Card Cash Back Offers of 2017

The competition for customers is growing and credit card companies have beefed up their cash-back offers in response. See the most generous new offers.

Many credit card issuers kicked off 2017 by launching attractive bread-and-butter rewards programs, which some experts say is part of an effort to steal market share and attract more middle-class cardholders.

Among the offers being rolled out or already available are 10% cash back on restaurant purchases and an offer of limitless cash rewards as part of a pilot credit card being tested by USAA.

“There’s a battle for dominance,” said David Robertson, publisher of the Nilson Report, which predicted this trend. “Credit card issuers are trying to create maximum loyalty.”

According to Robertson, the credit card market recently emerged from a period of escalating offers among premium cards. The focus has now trickled down.

Beverly Harzog, credit card expert and author of “The Debt Escape Plan,” said another driver of the current trend is credit card issuers trying to make rewards programs more straightforward for middle-class users who don’t necessarily have time to sign up for and pursue a variety of rewards deals.

Cash back cards are getting simpler and are breaking into categories that work for specific customers,” Harzog said.

This creates an intriguing landscape of credit card offers. Here are some of the best new middle-class offers identified by experts. And remember: It’s a good idea to know your credit score to have any idea of whether you’ll qualify before applying for a card. You can check two of your scores free, updated every 14 days, on Credit.com.

New Offers From American Express

American Express recently announced a limited offer for the Blue Cash Preferred and Blue Cash Everyday cards.

Both cards now reward new members with 10% cash back on U.S. restaurant purchases made within the first six months of sign-up, up to $200. In addition, new card members receive a welcome bonus after spending $1,000 within their first three months. For the Blue Cash Preferred card, the bonus is $150 and for the Blue Cash Everyday card, it is $100.

USAA’s Limitless Cash Back Rewards Visa Signature

The USAA Limitless Cash Back Rewards Visa Signature earns 2.5% on all purchases. What’s more, there’s no cap on the cash back rewards.

As long as cardholders maintain a $1,000 monthly direct deposit in a USAA checking account, they continue to earn 2.5% cash back. If that deposit minimum is not met, the cash back reward drops to 1.5% on purchases.

The downside of this card is that it has not been officially launched yet. It’s being pilot-tested, USAA spokeswoman Gloria Manzano said.

“If we determine this potential new product can help us serve our members better, we’ll make (it) available to all of our members as soon as possible,” Manzano said.

The card is available to those living in more than two dozen states where it’s being tested.

Premier Dining Rewards From Capital One

Capital One introduced its Premier Dining Rewards card last week.

The card offers an enhanced cash back earn rate in categories the company says consumers are spending more on.

Perhaps putting it in competition with USAA, the card’s rewards include unlimited 3% cash back on restaurant purchases, 2% cash back on grocery store spending and 1% on all other purchases.

Chase Freedom Unlimited

The Chase Freedom Unlimited (read our review here) is promoting a reward for those who spend $500 in the first three months after sign-up.

For those who meet the spending threshold, the card gives $150 cash back. While the offer has been around since 2016, Kerri Moriarty, of Boston-based Cinch Financial, said it’s still worth noting.

“The fact that you can get $150 cash back within the first 90 days for spending just $500 is an aggressive offer,” said Moriarty. “Other cards typically require $1,000 or more of spending before getting that cash back. It shows that they’re really trying to attract customers and steal them away from other cards.”

Image: NicolasMcComber

At publishing time, the Blue Cash Everyday From American Express, Blue Cash Preferred From American Express and Chase Freedom Unlimted cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

The post 4 of the Most-Improved Credit Card Cash Back Offers of 2017 appeared first on Credit.com.

5 Seriously Simple Cash Back Credit Cards

These simple cash back credit cards are a good fit for folks who don't like to think too long or hard about what rewards cards are in their wallet.

Keeping track of the rewards you earn with credit cards can be a real headache. Some cards offer different cash back amounts for different categories of spending. Some cards offer bonus cash back on categories that change every quarter. Unless you have the time to keep track of everything, well, then, the struggle can be real.

If you don’t want to spend too much time thinking about what rewards credit card is best to use each time you swipe, a flat-rate cash back credit card might be just what you need. These cards offer straightforward rewards programs that net you the same amount of cash-back every time you make a purchase. (Just be aware: These cards tend to require good credit, so if you’re in the market for one, you’ll want to check your scores before you apply. You can do so by viewing your free credit report snapshot, updated every 14 days, on Credit.com.)

Here are our picks for the best flat-rate cash back credit cards.

1. Citi Double Cash Card

The Citi Double Cash card is one of the leading cash back cards on the market today. You have the chance to earn up to 2% back on every purchase you make. You earn 1% when you actually make the purchases, and another 1% when you pay it off. This card also comes with a lengthy 18-month introductory 0% annual percentage rate (APR) on balance transfers. Once the introductory period is complete, the APR will change to the standard purchase APR of 13.49% to 23.49%, depending on your creditworthiness. The card carries no annual fee. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

The Citi Double Cash card also comes with Citi Price Reward. With this program, you can record your purchases and Citi will look for a lower price within the first 60 days. If they find one, you will receive the difference back to your account — up to $500 back per item and $2,500 per year. If you want more details about the Citi Double Cash Card, check out our full review here.

2. Chase Freedom Unlimited Card

One of the most recent additions to the Chase credit card line-up is the Chase Freedom Unlimited card. With this card, you’ll receive an unlimited 1.5% cash back on every purchase. You’ll also receive a bonus of $150 after you spend $500 in the first three months. When you add an authorized user and they make a purchase in the same three-month period, you can receive an additional $25 bonus.

This card includes an introductory 0% APR for 15 months on both purchases and balance transfers. After that, the APR will change to a variable 15.49% to 24.24%. This card has no annual fee.

3. Capital One Quicksilver Cash Rewards Card

When you use the Capital One Quicksilver Cash Rewards card, you will receive 1.5% back on any purchases that you make. Plus, there is no limit on the amount of rewards you can receive and they never expire as long as your account stays open. When you become a cardholder, you can receive a $100 bonus if you spend $500 within your first three months. In addition to having no annual fee, you can also receive an introductory 0% APR on purchases and balance transfers for the first 9 months. After that, the APR will become a variable 13.49% to 23.49%.

4. Barclaycard CashForward World MasterCard

With the Barclaycard CashForward World MasterCard, you will receive an unlimited 1.5% cash back on any purchases made. When you sign up, you will receive a $100 bonus after spending $500 in the first 90 days. Each time you redeem your rewards, you will receive a 5% bonus available on the next redemption. If you are looking to make a balance transfer, you will receive an introductory 0% APR for 15 months. Afterwards, the APR will change to a variable 15.24%, 20.24% or 25.24%. There is no annual fee with this card.

5. Capital One Spark Cash for Business

The last card that made our list is for small business owners. With this card, you will earn 2% back on every business purchase you make. You also have the opportunity to receive a $500 cash bonus after spending $4,500 in the first three months. You will be able to add employee cards at no additional costs and their spending will add to your reward total. Your purchase APR will be a variable 17.49%. There is no annual fee the first year, and then each subsequent year, it will be $59.

At publishing time, the Citi Double Cash, Chase Freedom Unlimited, Capital One Quicksilver Cash Rewards, BarclayCard CashForward World MasterCard and Capital One Spark Cash for Business credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Image: pixelfit

The post 5 Seriously Simple Cash Back Credit Cards appeared first on Credit.com.