Cash Back Credit Cards Cash Back Credit Cards - Cash back credit cards offer you the chance to earn cash back every time you make a purchase. When you use the card, a certain percentage of the amount spent is credited toward your cash back rewards program. You’ll receive cash back in the form of a check, rebate, or by having it credited to your account. Cash back credit cards work best if you have good to excellent credit and don’t usually carry a balance. Look through the options below to find a card that works for you. Then fill out a secure online application and start reaping in the rewards.

Discover® More Card - $75 Cashback Bonus 0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR Get $75 Cashback Bonus when you make $500 in purchases within 3 months 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 months* 11.99% - 20.99% (Variable)* None Yes Excellent

Citi® Dividend Platinum Select® MasterCard® 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate. Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter. Full 1% cash back on eligible purchases and cash advances. Earn extra cash back on popular, rotating categories each quarter. Average 5% additional cash back through Citi Bonus Cash Center® No Annual Fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 12.99% - 20.99%* (Variable) None Yes Excellent

Discover® More Card 0% intro APR on balance transfers for a full 15 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Excellent

Citi® Diamond Preferred® Rewards Card $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate. 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter** Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more No annual fee Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months* 12.99% - 20.99%* (Variable) None Yes Good

Chase Freedom® Visa - $100 Bonus Cash Back Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy! Unlimited 1% Cash Back on all other purchases with no spending tiers Up to an additional 20% cash back when you shop online at select merchants through Chase Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 12.99%-22.99% Variable* None Yes Good

Discover® Open Road Card 2% Cashback Bonus automatically at any gas station and any restaurant 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall Up to 1% unlimited Cashback Bonus on all other purchases 0% intro APR on balance transfers for 12 full months, then the Regular APR 0% intro APR on purchases for 6 months, then the Regular APR Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Good

Blue Cash(R) from American Express 0% intro APR on purchases for 6 months and no annual fee Flexibility to pay over time Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores Receive your cash back automatically as a statement credit Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed See Terms* See Terms* 17.24%-21.24% Variable No Annual Fee Yes Excellent

Upromise® World MasterCard® 10% extra college savings on thousands of eligible grocery and drugstore items 2% extra college savings on eligible gas purchases at Exxon and Mobil locations 1% college savings on every purchase Get $25 college savings after the first qualified use of your account No annual fee† Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on purchases 7-10 billing cycles 12.99%-20.99% Variable None Yes Excellent

3 Steps Toward Earning Cash Back with a Cash Back Credit Card

Cash back credit cards sound like a good deal – and they are, when used properly. In order to make them work for you, it’s important to thoroughly understand the cash back system and follow a plan. Here are the three keys you’ll need to reap in the cash with your cash back credit card.

Look for extra incentives. While the cash back feature will let you earn a certain percentage of cash every time you make a purchase, many cards come with extra incentives. You might be rewarded additional cash rewards for signing up, using the card for the first time, or reaching a certain milestone with the card. All of these can add up fast. When you’re shopping for a cash back credit card, look for these extra bonuses. Once you have the card, follow through and use them to your advantage.

Understand the program. In addition to making the most of the extras, you’ll want to understand how the program works on a normal basis. To do this, start by reading through the fine print. Take note of how much you’ll earn for using the card. Pay attention to opportunities to earn more – this is usually in special categories like gas or groceries, or even shopping online at specific websites.

Some cards operate in a tiered system. This means that you might earn a small percent of cash back up to a predetermined amount. For instance, you might earn 1 percent cash back for the first $3,000 that you spend. After that, you could earn 3 percent until you reach $5,000, and after that you’ll receive even more. If this system works for you, use it to your advantage. If it is confusing, look for a card that does not function on a tiered system.

Use the card frequently. After you understand how the cash back system works, the final step is to make it work for your lifestyle. If you can, start using your card for everyday purchases, and then pay off the balance each month. Shop for groceries with it, fill up with gas, and use it for your online shopping excursions. Then pay off the balance each month. When you do this, the rewards will add up and you’ll soon enjoy the results.

* See the online cash back credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all cash back credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the credit card issuer's website.