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Top 3 cash back credit cards

Cash back credit cards help you get back a percentage of the money you spend on purchases. Some cards give back a bigger percentage of money for purchases made in specific categories like gas or restaurants or groceries. Some cards give a flat rate percentage in return for any purchase made in any category.

When it comes to cash back credit cards, the best deals for the year 2017 include different cards for different reasons.

Discover it® Cash Credit Card
Discover it® Cash Credit Card is considered to top the cash back credit cards, and best deals being the point of focus here. It does not have an annual fee. At the end of the first year, you automatically get a dollar for every dollar you’ve spent that year. You get a 5% cash back for certain categories that can change every quarter. These categories include gas, restaurants, purchases on and wholesale clubs, just to name a few. There is a maximum purchase limit for each quarter. You also get a 1% cash back on every other purchase. You can redeem the cash anytime you wish to, and for any amount of the total amount, you have collected. The time period to redeem the cashback does not expire. You can also use the rewards you collect at promptly. This cash back credit card also gives you good security features. For instance, should you lose your card or if it’s stolen, you can freeze your account instantly by using an on/off button option given on the mobile app as well as the website. You wouldn’t be held responsible for any unauthorized purchase made on the card, and hence, you have 0% fraud liability. Should you want your card replaced in case of theft or misplacement, you have the option to get it through free overnight shipping. The other advantages of getting this card include no increased APR for late payments, no late fee for first late payment, no over limit fee and no foreign transaction fee. This card comes with a few services such as a free FICO Credit Score available on both mobile app and website on your monthly statements, 24/7 customer service that is based out of the United States a hundred% of the time, an option to pay your bills up to midnight, either online or by phone, of the day it is due, and this cash back credit card is accepted by 97% of merchants.

Blue Cash Preferred® Card from American Express
Another cash back credit card with the best deals is Blue Cash Preferred® Card from American Express. This comes with a signup bonus. If you spend $1000 on the new card within the first three months of getting it, you get back $150 as a statement credit. For the first year, you do not have to pay an annual fee after which you will be charged $95 per year. Based on your credit score and several other factors, the APR will vary on purchases. It can be anywhere from 13.99% to 24.99%. You get cashback of 6% for supermarket purchases for up to $6,000 every year. Once you exceed the $6,000 limit, you will get a cashback of 1% on supermarket purchases. You get a cashback of 3% on purchases at specific gas stations and department stores in the United States. This will be in the form of rewards that can be redeemed in the form of a statement credit. On all other purchases, you get a cashback of 1%. If you earn cash back, you have the option to either pay your credit in full each month or to carry your balance over to the next month with additional interest. You can accelerate your cashback rewards by getting your family and friends these cards referred to as Additional Cards, with which they can avail the same benefits as you. With this card, you also get cash back rewards for monthly expenditures, such as your phone bill. This card also gives you various travel benefits like car rental loss and insurance for damage, a customer service hotline available wherever you are on the globe at that moment and insurance for accidents while traveling. It comes with additional services including fraud protection, a year-end summary sent to your account and an option to track your cash back.

Bank of America® Cash Rewards Credit Card
A third good cash back card to go for in 2017 would be Bank of America® Cash Rewards Credit Card. It has no annual fee, a bonus of $150 for purchases made for $500 within the first three months, a 1% cash back on every purchase made, a 2% cash back on purchases in grocery stores and wholesale clubs, a 3% cash back on gas purchases. It has a 0% APR for the first year and a 10% bonus when you redeem your cashback on the same account as the credit card.

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