Do you want to spend more and get cash in return? These 5 credit cards can fulfill your needs

We all want to spend our incomes buying our favorite items. Nowadays with the evolution of markets, we hardly keep cash at the particular moment we make up our mind to buy something. In that scenario, we use credit cards, but what can be more beautiful than getting extra free cash?

WHY WE NEED A CREDIT CARD?

In the US, having a credit card is as useful as carrying a helpful friend in your pocket. Why? First of all, it’s very safe when you are shopping online or buying things in the store.

But that’s not all! If life gives you trouble, your credit card is there to help. Emergency fund? Check! It’s like a money hero with a cape, always prepared to save you when you don’t expect it.

Chase Sapphire Preferred® Card

(The Chase Sapphire Preferred® Card is renowned for its travel rewards, offering a mix of valuable points, travel perks, and flexibility in redemption.)

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PROs: 

• Transferring real funds from 1:1 lending
• Travel and shopping facilities are available
• High rewards for spending

Cashback: It gives 60,000 bonus points with an annual fee of 95$ and 700 for a good score on this card to maintain.

It provides 5 points for 1 $ spent on travel and 2 points for spending at all other places.

Bank of America® Customized Cash Rewards Credit Card:

(The Bank of America® Customized Cash Rewards Credit Card is designed to cater to individual preferences, allowing cardholders to customize their cashback categories.)

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PROs: 

• Earns 3% cashback in the chosen category, 2% at grocery stores and wholesale clubs, and 1% on all other purchases.
• Offers a welcome bonus for new cardholders who meet the spending requirements within the specified timeframe.
• It doesn’t charge an annual fee, making it a cost-effective choice.
• Cardholders can choose their preferred cashback category from a list that includes gas, online shopping, dining, travel, drug stores, or home improvement/furnishings.

CASHBACK:

• 3% Cashback: On the chosen category (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings).
• 2% Cashback: At grocery stores and wholesale clubs.
• 1% Cashback: On all other purchases.

Capital One Quicksilver Cash Rewards Credit Card

(The Capital One Quicksilver Cash Rewards Credit Card is known for its simplicity and versatility, making it a great choice for individuals who prefer a straightforward cashback structure without the hassle of rotating categories.)

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PROs: 

• Earn unlimited 1.5% cashback on all purchases, making it easy to understand and use.
• There’s no annual fee, which adds to its cost-effectiveness.
• Ideal for those who travel internationally, as it doesn’t charge foreign transaction fees.
• Offers a one-time cash bonus for new cardholders who meet the spending requirements within a specified timeframe.

CASHBACK:

• Earn unlimited 1.5% cashback on all purchases, providing consistent rewards across various spending categories.
• Qualify for a one-time cash bonus by meeting the spending requirements within the initial months.

U.S. Bank Cash® Visa Signature®Card

(The best card with 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49% – 29.74% reasonably)

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PROs:

• Offers 5% cashback on two categories of your choice, such as fast food, home utilities, and more.
• Earns 2% cashback on one everyday category (like groceries) and 1% on all other purchases.
• Provides cell phone protection coverage when you pay your monthly cell phone bill with the card.

CASHBACK: 

• The 5% cashback categories require quarterly activation, and if not activated, you’ll earn the standard 1% cashback.
• The 5% and 2% cashback categories have spending caps each quarter. Once you reach the limit, the cashback rate drops.
• Charges foreign transaction fees, making it less ideal for international spending.

American Express® Green Card 

(The American Express® Green Card is tailored for those who prioritize travel benefits and want to accumulate Membership Rewards points for flexible redemption options. )

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PROs:

• Provides membership reward points on eligible purchases, providing flexibility in redemption for travel, shopping, and more.
• Offers travel perks like a $100 annual CLEAR credit, access to the Global Lounge Collection, and 3X points on travel.
• Ideal for international travelers as it doesn’t charge foreign transaction fees.

CASHBACK:

• Earn 3X Membership Rewards points on eligible travel, transit, and dining purchases worldwide.
• Earn 1X points on all other eligible purchases.
• Welcome bonus 40,000 points

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