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The Benefits of the IDFC Wealth Credit Card The IDFC Wealth Credit Card is a highly sought-after financial tool that offers numerous benefits and privileges to its users. With its unique features and rewards program, this credit card stands out in the market, providing customers with exclusive advantages. [caption id="attachment_63648" align="aligncenter" width="640"] IDFC wealth credit card[/caption] Understanding the IDFC Wealth Credit Card What is the IDFC Wealth Credit Card? The IDFC Wealth Credit Card is a premium credit card designed to cater to the needs of high-net-worth individuals. It offers a range of benefits and privileges that set it apart from other credit cards in the market. This card provides a gateway to a world of exclusive rewards and exceptional services. Key Features and Benefits The IDFC Wealth Credit Card offers a host of features and benefits that make it a valuable financial tool. With its rewards program, cardholders can earn points on their purchases and redeem them for a variety of options, including travel, shopping, and dining. Additionally, the card provides attractive cashback offers and discounts at partner merchants. Cardholders also gain access to exclusive privileges such as airport lounge access, concierge services, and complimentary airport transfers. Eligibility Criteria To be eligible for the IDFC Wealth Credit Card, applicants must meet certain criteria. This includes having a high credit score, a stable income, and a good repayment history. The specific requirements may vary, so it is advisable to check with IDFC Bank for the most up-to-date eligibility criteria. Application Process Applying for the IDFC Wealth Credit Card is a straightforward process. Interested individuals can visit the IDFC Bank website or visit a branch to submit their application. The application typically requires providing personal and financial information, such as income details, employment history, and contact information. It is important to have all the necessary documents, including identification proof, address proof, and income proof, ready for submission. Once the application is submitted, the bank will review it and inform the applicant about the status of their application. Credit Limit and Interest Rates The credit limit for the IDFC Wealth Credit Card is determined based on various factors, including the applicant's income, credit history, and repayment capacity. The bank assesses these factors to determine an appropriate credit limit for each cardholder. As for interest rates, the IDFC Wealth Credit Card offers competitive rates that are subject to periodic revisions. It is advisable to refer to the bank's website or contact customer support for the most accurate and up-to-date information on interest rates and associated charges. Maximizing Benefits and Rewards Rewards Program Overview The rewards program associated with the IDFC Wealth Credit Card is designed to provide cardholders with an array of benefits. Every purchase made using the card earns reward points, which can be accumulated and redeemed for various options, including travel bookings, shopping vouchers, and dining experiences. The more the card is used, the more rewards can be earned, allowing cardholders to unlock exciting benefits. Exclusive Privileges One of the standout features of the IDFC Wealth Credit Card is the exclusive privileges it offers. Cardholders gain access to premium benefits such as airport lounge access, concierge services, and complimentary airport transfers. These privileges enhance the overall travel and lifestyle experience, providing convenience and luxury to the cardholders. Cashback Offers and Discounts The IDFC Wealth Credit Card provides attractive cashback offers and discounts at partner merchants. Cardholders can enjoy savings in various categories, including dining, shopping, and travel. These cashback offers and discounts add value to every transaction made using the card, allowing cardholders to make the most of their spending. Travel Benefits In addition to the rewards program and exclusive privileges, the IDFC Wealth Credit Card also offers a range of travel benefits. Cardholders can enjoy travel insurance coverage, ensuring peace of mind during their trips. The card also provides complimentary airport transfers, making travel more convenient and comfortable. Furthermore, cardholders may have access to special discounts and offers on hotel bookings, flight tickets, and car rentals through partner travel companies. These travel benefits enhance the overall travel experience and provide added value to cardholders. Frequently Asked Questions How can I check my credit card balance? To check your IDFC Wealth Credit Card balance, you can log in to your online banking account or use the IDFC Bank mobile app. Alternatively, you can contact the customer support helpline for assistance in checking your balance. What should I do if my credit card is lost or stolen? If your IDFC Wealth Credit Card is lost or stolen, you should immediately contact IDFC Bank's customer support helpline and report the incident. The bank will assist you in blocking the card to prevent any unauthorized transactions. They will also guide you through the process of getting a replacement card. Can I transfer my outstanding balance from another credit card to the IDFC Wealth Credit Card? Yes, IDFC Bank offers balance transfer facilities to eligible cardholders. You can contact the bank's customer support or visit the nearest branch to inquire about the balance transfer process and the associated terms and conditions. How can I redeem my reward points? You can redeem your rewards points by logging in to your IDFC Bank online banking account or using the mobile app. Navigate to the rewards section and choose the redemption option that suits your preferences. You may redeem your points for travel bookings, shopping vouchers, or other available options. What is the annual fee for the IDFC Wealth Credit Card? The annual fee for the IDFC Wealth Credit Card may vary. It is advisable to check the latest fee structure on the IDFC Bank website or contact customer support for the most accurate and up-to-date information. Can I apply for an additional card for a family member? Yes, IDFC Bank allows eligible cardholders to apply for add-on cards for their family members. The add-on cards share the credit limit of the primary card and offer the same benefits and privileges. You can contact the bank's customer support or visit a branch to initiate the application process. How can I upgrade my credit limit? If you wish to upgrade your credit limit on the IDFC Wealth Credit Card, you can contact the bank's customer support or visit a branch to inquire about the process. The bank will review your creditworthiness and repayment history to determine if an upgrade is possible. What should I do if I have a dispute with a transaction on my credit card statement? If you have a dispute with a transaction on your IDFC Wealth Credit Card statement, you should immediately contact the bank's customer support. They will guide you through the dispute resolution process and investigate the matter to ensure a fair resolution. Are there any international transaction fees? Yes, there may be international transaction fees associated with using your IDFC Wealth Credit Card for transactions made in foreign currencies or outside your home country. It is advisable to refer to the bank's fee structure or contact customer support to understand the specific charges related to international transactions. How can I contact customer support for the IDFC Wealth Credit Card? You can contact IDFC Bank's customer support for any queries or assistance related to the IDFC Wealth Credit Card by calling their helpline number or visiting the bank's website for contact information. The customer support team will be happy to assist you with your concerns. The IDFC Wealth Credit Card offers a range of benefits, rewards, and privileges that make it an attractive choice for high-net-worth individuals. With its unique features, including a comprehensive rewards program, exclusive privileges, and travel benefits, this credit card provides exceptional value to its users. By understanding the card's key features and maximizing the rewards and benefits, cardholders can unlock a world of financial advantages. If you meet the eligibility criteria, consider applying for the IDFC Wealth Credit Card and enjoy the exclusive benefits it has to offer.

#annual_fees #banking #cashback #concierge_service #contactless_payments #credit_card #credit_limit #credit_score #exclusive_offers #financial_planning. #financial_services #high_net_worth_individuals #idfc_wealth #idfc_wealth_credit_card #interest_rates #investment #lounge_access #luxury_card #mobile_app #online_banking #personalized_services #premium_card #premium_lifestyle #privileged_banking #rewards_program #savings #travel_benefits #wealth_creation #wealth_management

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6 Best Business Credit Cards of August 2023

These types of credit cards can be valuable financial tools for established businesses, startups and even freelancers. They feature many benefits, like reward categories for advertising or shipping services and financial account management tools. Most lenders also provide free credit cards for employees, and you can create personalized credit limits for each to prevent unexpected expenses. Read on for our list of the best business credit cards and how to pick the best one for you. Our Top Picks for the Best Business Credit Cards Chase Ink Business Preferred® Credit Card – Best small business credit card Bank of America® Business Advantage Customized Cash Rewards Mastercard® – Best for customizable rewards Chase Ink Business Cash® Credit Card – Best credit card with no annual fee The Blue Business® Plus Credit Card from American Express – Best business card for everyday spending Capital One Spark Cash Select – Best cash back card with no annual fee Chase Ink Business Unlimited® Credit Card – Best cash back card with no annual fee runner-up The Business Platinum Card® from American Express – Best business travel card Ink Business Premier℠ Credit Card: Best for large purchases Best Business Credit Cards Reviews   Pros 3x points on internet, cable, phone services, travel and more Points are worth 25% more when you redeem for travel through Chase travel portal No foreign transaction fees Cons $150,000 annual cap on bonus rate $95 annual fee HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Regular APR reg_apr,reg_apr_type Intro APR intro_apr_rate,intro_apr_duration Recommended credit credit_score_needed Insurance and protections Purchase protection, extended warranty, cell phone protection plan, trip cancellation/interruption insurance and primary car rental insurance Why we chose it: This card’s bonus categories are ideal for small businesses, and it comes with valuable benefits that more than make up for its already low annual fee. The Chase Ink Business Preferred® Credit Card offers rewards on business-related expenses such as postal and freight services, social media advertising, satellite internet plans, airline tickets and more. You can earn 3x points per $1 on up to $150,000 in combined purchases each card anniversary year on the following categories: Shipping purchases Advertising purchases made with social media sites and search engines Internet, cable and phone services Travel As stated above, note that this rate only applies to the first $150,000 spent in combined purchases per year. After that, you’ll earn 1x point per dollar in those categories. With this card, you can transfer accumulated points to over 10 airline and hotel partners, including Jetblue, United and Marriott. You can also book trips through the Chase travel portal, which has dozens of offers from other companies as well. And when you redeem rewards through the Chase portal, each point is valued at 1.25 cents apiece instead of the usual one cent. Points are also valued at 1.25 cents each through the Pay Yourself Back program, which lets you redeem points as statement credits toward qualifying transactions. As of June 2023, shipping, internet, cable and phone service purchases currently qualify for the boosted reward rate, but Chase changes the categories every few months. If you’re a small business owner and want to earn flexible rewards with some travel benefits, the Ink Business Preferred® Credit Card is an excellent choice. However, if your operational costs exceed $150,000 early in the year, you’re better off with the Chase Ink Business Premier℠. It has a steeper annual fee ($195), but it offers 2.5% back on every purchase of $5,000 or more, 2% on all other business purchases, 5% through the Chase travel portal and no reward caps. Best for Customizable Rewards: Bank of America® Business Advantage Customized Cash Rewards Mastercard® Pros Choose your preferred 3% bonus category (from a list of six) Bank of America business checking account holders can earn 25-75% more cash back Cons Bonus categories have a combined annual spending cap of $50,000 Has foreign transaction fees Why we chose it: The Bank of America® Business Advantage Customized Cash Rewards Mastercard® lets you choose your top-earning category from a list of six options, and you can change your pick as often as once a month. Several no-annual-fee cards offer solid reward rates, but few allow cardholders to choose their top-earning category. With this card you can earn: 3% cash back in the category of your choice: gas stations, office supply stores, travel, TV/telecom and wireless, computer services or business consulting services 2% back on dining 1% all on other purchases You can switch your 3% pick once a month, so if you plan ahead, you can maximize your earnings by tracking your business needs. For example, you could set travel as your preferred bonus category before a business trip and earn 3% back on the flight ticket, hotel, rental car, rideshare services (like Uber) and more. However, keep in mind that the 3% and 2% cash back rates are limited to the first $50,000 spent in combined purchases yearly. Once you reach the cap, you’ll only earn 1% back. The card’s bonus categories are even more lucrative if you qualify for the Bank of America Preferred Rewards for Business program. Under this program, cardholders can get up to 75% more cash back on their purchases. So instead of the default 3%, you could earn 5.25% back in your preferred category. (Note that, in order to qualify for the program, you must have a Bank of America business checking account and a three-month average daily balance of $20,000 or more in Bank of America and/or Merrill accounts.) The customization capabilities of Business Advantage Customized Cash Rewards are enough to make it stand out. But in addition to that, the card features travel perks that aren’t typical for no-annual-fee cards, including auto rental insurance. All information about the Bank of America® Business Advantage Customized Cash Rewards Mastercard® has been collected independently by Money.com.   Pros No annual fee Includes primary rental car coverage 5% cash back on office supplies and cable, internet and phone services (on up to $25,000 yearly) 2% cash back at gas stations and restaurants (on up to $25,000 yearly) Cons Spending cap on bonus categories Foreign transaction fees HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Regular APR reg_apr,reg_apr_type Intro APR intro_apr_rate,intro_apr_duration Recommended credit credit_score_needed Insurance and protections Purchase protection, extended warranty and primary rental car coverage Why we chose it: The Ink Business Cash® Credit Card is a solid no-annual-fee business credit card that offers generous rewards and several redemption options, including cash back and travel. With the Ink Business Cash®, cardholders can get cash back on office-related expenses, gas stations and restaurants. The card offers: 5% cash back on the first $25,000 in combined yearly purchases at office supply stores and on internet, cable and phone services 2% back on the first $25,000 spent per year in combined purchases at gas stations and restaurants 1% back on all other purchases Note that, while the Ink Business Cash® is advertised as a cash-back credit card, it actually earns Chase Ultimate Rewards points. These are typically worth around one cent each and can be redeemed as a statement credit, checking account deposit, gift cards, travel purchases and more through the Chase travel portal. Keep in mind that the Ink Business Cash® is not the best choice for companies with high operational costs. Businesses that spend more than $25,000 each year in this card’s reward categories might get more value from a card with higher spending caps, like the Chase Ink Business Preferred® Credit Card.   Pros No annual fee Earns 2 Membership Rewards(R) points per dollar on eligible business purchases (up to $50,000 per year) Can transfer your points to travel partners Cons Statement credits are worth only 0.6 cents per point Secondary auto rental coverage*** Terms apply. Click here for applicable rates and fees. HIGHLIGHTS Annual fee annual_fees Welcome offer bonus_miles_full Regular APR reg_apr,reg_apr_type Intro APR intro_apr_rate,intro_apr_duration Recommended credit credit_score_needed Insurance and protections Secondary auto rental coverage***, extended warranty and purchase protection Why we chose it: Bonus categories can sometimes be limiting, especially if they don’t align with your spending habits; however, The Blue Business® Plus Credit Card from American Express makes it easy, by giving rewards on a variety of eligible business purchases, including office supplies and dinners for clients. (Terms apply.) Credit cards typically offer points or cash back on purchases that fall into specific categories, such as travel or gas stations. With this American Express card, you can earn: 2x Membership Rewards® points per dollar spent on the first $50,000 in eligible purchases each year (1x point thereafter) 1x on other purchases Terms apply You can use your points through the Amex travel portal (usually at a value of one cent per point) or transfer them to one of the issuer’s airline and hotel partners, which include Delta, Jetblue and Hilton. You can also use them to buy gift cards and make purchases at select online stores. This card features American Express’ Expanded Buying Power, which lets you spend above your credit limit (up to a certain amount). How much extra credit you’re granted depends on your payment history, credit record and financial resources. Note that you must pay the amount spent over your credit limit in full each billing cycle, or you’ll incur interest and over-limit fees. If you’re looking for a business credit card without an annual fee and with a simple reward system, The Blue Business® Plus Credit Card from American Express is a solid pick. However, note that this card is not ideal if you’d like to redeem your points for statement credits — points are valued at 0.6 cents per dollar this way. If you prefer statement credit over travel rewards, consider The American Express Blue Business Cash™ Card. It gives you 2% cash back per dollar on the first $50,000 spent on eligible purchases annually, but your cash back is automatically processed as a statement credit at the end of each billing cycle. (Terms apply. Click here for applicable rates and fees.) Click here for The Blue Business® Plus Credit Card from American Express rates and fees. Pros Unlimited 1.5x cash back on all purchases 5% cash back on hotels and rental cars booked through Capital One Travel No yearly spending caps No annual or foreign transaction fees Cons Few additional perks No direct deposit redemption option HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Regular APR reg_apr,reg_apr_type Intro APR intro_apr_rate,intro_apr_duration Recommended credit credit_score_needed Insurance and protections Extended warranty and purchase protection Why we chose it: Cardholders of the Capital One Spark Cash Select can earn unlimited cash back on all their purchases. They also get bonus rewards on hotels and rental cars booked through the Capital One travel portal. Most cash-back cards without an annual fee earn 1% back on eligible transactions, and their higher rewards are limited to specific spending categories. They typically also have yearly or quarterly spending caps. The Capital One Spark Cash Select, on the other hand, has no caps and offers: 5% cash back on hotels and rental cars booked through Capital One Travel 1.5x cash back on all purchases Additionally, while most cards without annual fees charge around 3% on each transaction processed outside of the U.S., the Spark Cash Select doesn’t charge any foreign transaction fees. You can redeem your cash back as a statement credit or a check. (Other cash back business cards with no annual fee only provide statement credits.) You can also set up automatic redemptions to get your cash back at a set time each year or when you’ve accumulated a specific dollar amount. Overall, this card is ideal for business owners who don’t want to keep track of spending categories and yearly caps. However, it doesn’t offer rewards specifically for business categories, so businesses with high operational expenses should consider a card like the Chase Ink Business Preferred® Credit Card, which offers rewards specifically for categories such as shipping services or advertising.   Pros Unlimited 1.5x points on all purchases No yearly spending caps Primary rental car insurance No annual fee Cons No bonus categories Foreign transaction fees HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Regular APR reg_apr,reg_apr_type Intro APR intro_apr_rate,intro_apr_duration Recommended credit credit_score_needed Insurance and protections Extended warranty, purchase protection and primary car rental insurance Why we chose it: The Chase Ink Business Unlimited® is an excellent option for business owners who prefer a simple earning structure and flexible redemption options. With the Ink Business Unlimited®, you can earn 1.5% back on all purchases without any yearly caps, which you can redeem for statement credits or direct deposits (to checking and savings accounts). And while this card is marketed as offering cash back, it actually gets Chase Ultimate Rewards® points that can also be redeemed for travel, gift cards, products and other services available through the Ultimate Rewards® portal. You can also combine points with other Chase cards that earn points, such as the Chase Ink Business Preferred® Credit Card and Chase Ink Business Cash® Credit Card. While the Ink Business Unlimited® card provides more redemption options than the Capital One Spark Cash Select, it doesn’t offer any additional bonus categories, and it charges a 3% foreign transaction fee. On the other hand, the Ink Business Unlimited® provides primary car rental insurance, which the Capital One card doesn’t and is an uncommon perk among no-annual-fee cards. All in all, both cards are excellent cash-back credit cards. The Capital One Spark Cash Select is a great choice if you’re looking for a no-annual-fee business credit card to use while traveling internationally. However, the Ink Business Unlimited® might be a better fit if you want more redemption options or already own other Chase cards and can benefit from its point-pooling possibilities.   Pros Comprehensive travel insurance* 5x points on flights and prepaid hotels booked through amextravel.com Transfer points to travel partners, like Delta and Marriott Cons $695 annual fee Car rental insurance is secondary** Statement credits are worth only 0.6 cents per point (Terms apply. Click here for applicable rates and fees.) HIGHLIGHTS Annual fee annual_fees Welcome offer bonus_miles_full Regular APR reg_apr,reg_apr_type Intro APR intro_apr_rate,intro_apr_duration Recommended credit credit_score_needed Insurance and protections Purchase protection, extended warranty, car rental coverage, baggage damage or loss and trip cancellations, interruptions and delays* Why we chose it: The Business Platinum Card® from American Express is an excellent business and travel credit card featuring an impressive list of benefits that few other cards can match. The card provides yearly statement credits for purchases made at Dell, Indeed, Adobe and/or U.S. wireless telephone providers. (Enrollment required.) Additionally, it offers: 5x points on flights and prepaid hotels booked through the amextravel.com 1.5x points (up to $2 million per year) on eligible purchases at U.S. construction material and hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers 1.5x points (up to $2 million per year) on business purchases of $5,000 or more, regardless of the category Terms apply The card also features perks that make it an excellent travel credit card, including: Up to $200 per year in airline fee credits that can cover checked bags, in-flight refreshments and more (with one selected qualifying airline) $100 credit for Global Entry or $85 for TSA PreCheck with enrollment (every 4 or 4.5 years, respectively) $189 for CLEAR Plus (once per year) Access to over 1,400 airport lounges worldwide (enrollment required for Priority Pass Select) 35% point refund when redeeming points through the Amex Travel portal for first- or business-class tickets (up to 1,000,000 bonus points back per year) Terms Apply The refund is also available when cardholders book any service class ticket with their preferred airline. (Customers can pick a preferred airline once per year.) Note, however, that the offer only applies to the first 1,000,000 bonus points used per calendar year. Also, to receive the rebate, you’ll first need to have enough points saved to cover the total amount of the flight you’d like to book. The Business Platinum Card® from American Express has one of the steepest annual fees ($695) in the market. However, it’s well worth it if you travel enough to take advantage of its extensive list of benefits. Terms apply. Please click here for applicable rates and fees. Best for Large Purchases: Ink Business Premier℠ Credit Card Courtesy of Chase Pros 2.5% cash back on eligible purchases of $5,000 or more 2% cash back on all other business purchases Includes auto rental, trip cancellation/interruption and cell phone insurance Cons $195 annual fee Can't combine rewards with other Chase cards or transfer to travel partners Purchases must be paid in full every month if they don't qualify for Flex for Business HIGHLIGHTS Annual fee: annual_fees Welcome offer: bonus_miles_full Regular APR: reg_apr,reg_apr_type Intro APR: intro_apr_rate,intro_apr_duration Recommended credit: credit_score_needed Insurance and protections: Auto rental insurance, Trip cancellation/ interruption insurance, Purchase protection, Cell Phone protection, Extended warranty protection The Ink Business Premier℠ Credit Card is a good option for businesses that often make large purchases of $5,000 or more. With the Ink Business Premier℠ Credit Card, cardmembers can earn: 5% total cash back on travel purchased through the Ultimate Rewards portal 2.5% cash back on every purchase of $5,000 or more 2% cash back on all other business purchases Additionally, it offers 5% back on Lyft rides through March 2025. This card gives cash back in the form of Chase Ultimate Rewards® points. These have a value of one cent per point and can be used for cash, gift cards, travel purchases and for products or services through the Ultimate Rewards program or directly from third parties. However, you can’t transfer your points to travel partners or other Chase cards, and you won’t get a higher redemption value if you use them to book travel through the Ultimate Rewards portal either. (These options are available with other Chase business cards.) Keep in mind that the card is what Chase calls a Pay in Full business card — this means you can pay the entire balance in full by the due date and avoid interest charges, or use the Flex for Business feature for qualified charges of $500 or more. This feature gives the card more flexibility, but some might consider it a hassle to track which transactions must be settled by the end of the month and which can be paid over several months. However, this shouldn’t be an issue if you consistently pay your bill in full each month — which is recommended to avoid paying interest charges. Read the full article

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Zero annual fee on American Express Gold Credit Card discontinued: Check reward points The American Categorical SmartEarn Credit score Card that comes as a substitute is at no price for the primary 12 months.These holding the American Categorical Gold Credit score Card want to concentrate on an essential change within the price construction of the cardboard. The financial institution has determined to discontinue the zero annual price variant of the American Categorical Gold Credit ... #amazon #american_express_gold_credit_card #annual_fee #bookmyshow #frequent_traveler_option #membership_rewards_program #smartearn_credit_card #swiggy

#amazon #american_express_gold_credit_card #annual_fee #bookmyshow #frequent_traveler_option #membership_rewards_program #smartearn_credit_card #swiggy

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9 Best Travel Credit Cards of August 2023

These cards earn points (or miles) for travel and other everyday purchases at a set rate for every dollar you spend, sometimes with bonus rewards of up to ten points (10x) per dollar when you use them to pay for your trips. Some travel credit cards offer additional benefits like airport lounge access, baggage delay insurance and a TSA PreCheck or Global Entry fee credit. Read on for our list of the best travel credit cards, how they work and how to pick the best one for you. Our Top Picks for Best Travel Credit Cards Chase Sapphire Preferred® – Best low-annual-fee travel credit card Capital One SavorOne Cash Rewards Credit Card – Best no-annual-fee credit travel card Wells Fargo Autograph℠ Card – Best no-annual-fee travel credit card runner-up Capital One Venture Rewards Credit Card – Best travel credit card for everyday spending American Express® Gold Card – Best travel card for dining rewards Chase Sapphire Reserve® – Best premium travel credit card Capital One Venture X – Best low-cost premium travel credit card The Platinum Card® from American Express – Best travel card for perks and benefits The Business Platinum Card® from American Express – Best travel card for businesses Best Travel Credit Cards Reviews   Courtesy of Chase Pros Points are worth 25% more when redeemed for travel purchases through Chase Receive a point bonus each account anniversary Includes primary rental car insurance Earn 3x per $1 on dining, including eligible delivery and takeout meals, select streaming services and grocery purchases Cons $95 annual fee Doesn't offer a Global Entry/TSA PreCheck application fee credit HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Intro APR intro_apr_rate,intro_apr_duration Regular APR reg_apr,reg_apr_type Recommended credit credit_score_needed Travel insurance Trip cancellations/interruptions, trip delays, travel accidents, luggage and primary rental car insurance Why we chose this card: The Chase Sapphire Preferred® is an excellent option for frequent travelers who want to earn valuable rewards while paying a low annual fee. The card features six reward categories that offer outstanding rewards on flights, hotels, tours, restaurants and more. Cardholders can earn: 5x points for travel bookings made through the Chase Ultimate Rewards® portal 2x on all other travel purchases 3x on dining, including eligible delivery and takeout 3x on select streaming services 3x on online grocery purchases (excluding Target®, Walmart® and wholesale clubs) 1x on all other purchases You can redeem your points for statement credits or account deposits, but you can get the most bang for your buck by redeeming them through the Chase Ultimate Rewards® portal, which increases the value of your points by 25%. You can also transfer your points to one of Chase’s 14 travel partners at a 1:1 ratio (one Chase point equals one hotel point or airline mile). These include popular airlines and hotels like JetBlue, Southwest, United, Marriott and Hyatt. Another benefit is that you can combine points from multiple Chase cards under your Chase Sapphire Preferred® account (as long as they earn Ultimate Rewards points). For example, if you have the Chase Freedom Unlimited®, you can transfer its points to your Chase Sapphire Preferred® account. This would increase their usual one-cent-per-dollar value to 1.25 cents for bookings made through the Ultimate Rewards® portal. In addition to its standard travel insurance benefits, the Chase Sapphire Preferred® includes primary rental car coverage — a perk not many travel cards provide. Unlike secondary rental car coverage, this type of insurance covers theft or damages without first filing a claim with your auto insurer. Courtesy of Capital One Pros Unlimited 3% back on dining, entertainment, grocery stores (excluding Target(R) and Walmart(R)) and select streaming services No annual or foreign transaction fees Includes travel accident insurance Cons 5% cash-back rate for travel doesn't apply to flights HIGHLIGHTS Annual fee Sign-up bonus Intro APR Regular APR Recommended credit Travel insurance Travel accidents Why we chose it: The Capital One SavorOne Cash Rewards Credit Card is the ideal card to take when you’re out sightseeing since it offers high rewards on dining, entertainment and more without charging any annual or foreign transaction fees. With the Capital One SavorOne, cardholders can earn cash back at restaurants, tourist attractions, concerts, theme parks and more. The card’s reward categories include: 10% back on Uber and Uber Eats purchases plus statement credits to cover the costs of an Uber One membership through November 14, 2024 8% back on Capital One Entertainment purchases 5% back on hotels and rental cars booked through Capital One Travel 3% back on dining, eligible streaming services, grocery stores (excluding Target® and Walmart®) and entertainment 1% back on all other purchases None of the listed categories have yearly caps, which means the card offers tremendous earning potential — especially for foodies who spend a lot dining out, on takeout or doing groceries. Those that are always searching for things to do might find Capital One Entertainment quite useful. The ticketing platform gives cardmembers access to numerous events, like celebrity meet-and-greets and dinner reservations at acclaimed restaurants. You can also find tickets to sold-out events at discounted prices, all while receiving a stellar 8% cash-back rate. Keep in mind that this card’s travel bonus only applies to hotel and rental car bookings made through the Capital One Travel portal. This means that you won’t get any cash back or points for flight reservations, which other travel credit cards do offer. However, it’s worth noting that the card’s 3% cash-back rate on dining and entertainment is valid at establishments worldwide. (Some credit cards limit their bonuses to only U.S. locations.) Dining and tourist attraction purchases can quickly rack up while traveling, so you can feel free to use this card as often as you’d like since it doesn’t charge foreign transaction fees.   Courtesy of Wells fargo Pros Earn 3x points on restaurants, travel and gas Earn 3x when paying your monthly streaming services and cell phone bills Includes cell phone protection plan No foreign transaction fees Cons No airline or hotel transfer partners Doesn't include travel insurance Netflix, Hulu and HBO are not eligible for streaming bonus HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Regular APR reg_apr,reg_apr_type Intro APR intro_apr_rate,intro_apr_duration Recommended credit credit_score_needed Travel insurance Secondary car rental insurance Why we chose it: The Wells Fargo Autograph℠ Card has no annual or foreign transaction fees and earns high rewards for travel, dining, gas, streaming services and cell phone plan purchases. Most travel credit cards only offer rewards when you book flights and hotels through the card issuer’s travel portal. If you were to book your vacation through one-stop travel sites like Booking.com, you’d only earn the card’s minimum bonus (which is usually one point per dollar). The Wells Fargo Autograph℠ Card, however, gives you: 3x points on flights, hotels, car rentals, cruises and more (regardless of where you make your purchase) 3x points on transit, including subways, parkings, tolls, ridesharing services and more 3x points on dining, gas, select streaming services and cell phone plans 1X points on other purchases However, although the Wells Fargo Autograph℠ Card offers a solid cash-back rate on travel, its travel benefits are otherwise lackluster. It doesn’t have hotel and airline transfer partners and doesn’t offer luxury perks like airport lounge access or a TSA PreCheck or Global Entry fee credits. (Having said that, note that these perks are generally offered by premium travel cards with high annual fees.) The card does include rental car insurance and covers up to $50,000 for accidents or theft if you use it to book the rental car. The card also features a cell phone protection plan when you use it to pay your monthly bill. If your phone is damaged or stolen, you can be reimbursed up to $600 per claim (up to $1,200 per year). If you’re looking for unlimited rewards on travel and everyday spending, the Wells Fargo Autograph℠ Card is an excellent option. However, it may not be the best fit if you’re looking for comprehensive travel insurance coverage and luxury benefits. All information about the Wells Fargo Autograph℠ Card has been collected independently by Money.com. Courtesy of Capital One Pros High rewards on everyday spending (2x miles per dollar) Up to $100 credit for Global Entry or TSA PreCheck Includes travel accident and car rental insurance Cons Fewer bonus categories than other cards with a similar annual fee ($95) Doesn't offer travel rewards for flights Car rental insurance is secondary HIGHLIGHTS Annual Fee annual_fees Sign-up Bonus bonus_miles_full Intro APR intro_apr_rate,intro_apr_duration Regular APR reg_apr,reg_apr_type Recommended credit credit_score_needed Travel insurance Auto Rental Collision Damage Waiver, Travel Accident Insurance Why we chose it: The Capital One Venture Rewards credit card is an excellent card for everyday spending, offering a higher base reward than most travel credit cards. Cards generally earn one mile (or point) per dollar on most purchases and have a higher rate for certain spending categories. However, if your routine expenses don’t align with these categories, you could miss out on potential rewards. The Capital One Venture Rewards is ideal for those who want to get the most out of their spending without worrying about tracking bonus categories. Cardmembers can earn: 5x miles on hotels and rental cars booked through Capital One’s travel portal 2x miles per dollar on all purchases You can redeem your miles on the Capital One travel portal at a value of one cent per mile. And you can also use your miles to cover travel purchases made on other sites by selecting “Cover Your Travel Purchases” in your Capital One account. (Note that only travel purchases posted to your account within the last 90 days are eligible.) Additionally, you may transfer your miles to more than 15 airline and hotel partners. In this case, the per-mile value depends on the airline or hotel you choose. Keep in mind that Capital One doesn’t have any domestic travel partners, which can be a drawback if you mainly travel within the U.S. Other benefits include auto rental coverage, travel accident insurance and up to $100 to cover the cost of a Global Entry or TSA PreCheck application fee. While the Capital One Venture Rewards is great for earning miles daily, note that some cards with similar annual fees ($95) offer a higher rate of reward. For example, the Chase Sapphire Preferred® lets you redeem for cash back at a rate of one cent per point while the Capital One Venture Rewards offers cash back at a value of 0.5 cents per mile. This can be a drawback if you would rather redeem your rewards as cash back rather than a flight.   Courtesy of American Express Pros Earns 4x points on restaurants worldwide, takeout and food delivery within the U.S. $120 annual dining credit, issued as $10 per month in statement credits, in select restaurants (enrollment required) $120 annual Uber Cash ($10 per month) for food delivery orders and rides in the U.S. after you add the Gold card to your Uber account Earn 4x points at U.S. supermarkets (on up to $25,000 per calendar year, then 1x) Cons High annual fee ($250) Includes few travel perks and insurance policies compared to similarly priced cards Terms apply. Please click here for applicable rates and fees. HIGHLIGHTS Annual fee annual_fees Welcome offer bonus_miles_full Intro APR intro_apr_rate,intro_apr_duration Regular APR reg_apr,reg_apr_type Recommended credit credit_score_needed Travel insurance Secondary Car Rental Insurance*** Lost/Stolen Baggages, Baggage Delays, Trip Cancellations/Interruptions, Travel Accidents and Flight Delays* Why we chose it: The American Express Gold Card® is ideal for foodies, offering a high reward rate at restaurants worldwide and U.S. supermarkets, takeout and food delivery. (Terms apply.) With the American Express Gold Card®, you can earn: 4x points at restaurants worldwide 4x points on takeout and delivery in the U.S. 4x points at supermarkets within the U.S. (on up to $25,000 per calendar year, then 1X) 3x points on flights booked directly with airlines or Amextravel.com 1x on other purchases Terms apply The American Express® Gold Card also offers statement credits worth up to $240 combined — almost enough to offset the card’s $250 annual fee. These include: Up to $120 every year in dining credits ($10 per month) for select restaurants and food delivery services. The list includes Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and Shake Shack (Enrollment required) Automatically get $10 monthly in Uber Cash to use on Uber Eats or Uber rides in the U.S. (after you add the Gold card to your account) Terms apply Additionally, cardmembers receive up to $100 in credits for stays of two consecutive nights or more booked through American Express’ The Hotel Collection. It can be used for eligible purchases relating to dining, spa services and other activities. Cardholders also get 24/7 access to Global Assist Hotline representatives who can help coordinate lost passport replacement, translation services, missing luggage assistance and more. However, note that the American Express® Gold Card offers fewer travel perks than some other premium cards — for instance, it doesn’t offer trip cancellation and interruption insurance or TSA PreCheck or Global Entry fee credits. Terms apply. Please click here for applicable rates and fees.   Courtesy of Chase Pros Annual statement credits (up to $300) for travel purchases 14 travel partners including United, Southwest, JetBlue and Marriott Points worth 50% more when redeemed for travel expenses through Chase Emergency medical and dental insurance Cons High annual fee ($550) Doesn't include a cell phone protection plan Welcome offer is less impressive than other premium cards HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Intro APR intro_apr_rate,intro_apr_duration Regular APR reg_apr,reg_apr_type Recommended credit credit_score_needed Travel insurance Trip Cancellation/Interruption, Lost Luggage Reimbursement, Trip Delay Reimbursement, Emergency Evacuation and Transportation, Roadside Assistance, Emergency Medical and Dental Insurance, Primary Rental Car Insurance Why we chose it: The Chase Sapphire Reserve® offers a high reward rate on travel and dining and has additional benefits like comprehensive travel insurance and airport lounge access worldwide. Most premium cards offer the same bonus rate for airfare, hotels and rental cars. The Chase Sapphire Reserve®, on the other hand, offers an increased rate for room reservations and auto rentals. It also gives points for all travel bookings, unlike other card issuers that limit their rewards to purchases made through their travel portals. With this card you can earn: 10x points on hotels and rental cars purchased through the Chase Ultimate Rewards® portal 10x through the Chase Dining program 5x points on air travel booked through the Chase Ultimate Rewards® portal 3x points for all other travel-related purchases 3x points on restaurants, including takeout and delivery 1x on all other purchases Another advantage of the Sapphire Reserve is that its points are worth 50% more when redeemed for travel through the Chase portal — that is, 1.5 cents per point instead of the usual one cent. In addition to its generous rewards, the Sapphire Reserve has several notable perks. It provides statement credits to cover fees for expedited traveler programs Global Entry, TSA PreCheck or Nexus every four years, plus discounts or upgrades on select car rental companies, to name a few. One of the card’s outstanding benefits is a $300 annual travel credit that can cover travel-related purchases like airfare, hotels, car rentals, rideshares, buses, trains, tolls and/or parking. Other cards that feature an annual travel credit are usually more restrictive, and you can often only use it on flights or hotels purchased through the card issuer’s travel portal. The Sapphire Reserve does have a $550 annual fee. But if you take advantage of the $300 annual credit and other perks, the benefits can definitely outweigh its cost.   Courtesy of Capital One Pros 10,000 bonus miles every year Statement credit of up to $300 for bookings made through Capital One Travel Up to a $100 credit on Global Entry or TSA PreCheck Skip the line and get car upgrades when renting a car with Hertz Cons High annual fee ($395) No dining bonus category No domestic airline transfer partner HIGHLIGHTS Annual fee annual_fees Sign-up bonus bonus_miles_full Intro APR intro_apr_rate,intro_apr_duration Regular APR reg_apr,reg_apr_type Recommended credit credit_score_needed Travel insurance Trip Cancellation/Interruption, Lost Luggage Reimbursement, Trip Delay Reimbursement, Primary Rental Car Insurance Why we chose it: The Capital One Venture X Rewards features premium benefits like statement credits and airport lounge access for a lower annual fee ($395) than many competitors. The Venture X includes perks like a Priority Pass Select membership, which provides access to more than 1,300 airport lounges worldwide. This type of perk is typically only offered by luxury cards like the Chase Sapphire Reserve® or The Platinum Card® from American Express, both of which have much higher annual fees ($550 and $695, respectively). Other benefits include 10,000 bonus miles on every account anniversary and the option to add up to four authorized users at no extra cost. (Many cards have an annual fee of $75 or more for each additional user.) The card bonus categories include: 10x miles on hotels & rental cars booked through Capital One Travel 5x miles on flights booked through Capital One Travel 2x miles on all other purchases The Venture X features a $300 annual travel credit that can be used for airfare, hotel stays, rental car reservations and more. However, do note the credit can only be used for Capital One Travel bookings. (Some competitors are more flexible and let you use the credits on any type of travel purchase, including taxis and buses.) Although the card includes travel insurance, its coverage is limited compared to other premium travel cards. For example, the Venture X doesn’t cover baggage delays, travel accidents or emergency evacuations and transportations. It does, however, provide primary rental car insurance, which isn’t offered by most travel cards. All in all, the Venture X is a solid option that can easily compete with other premium travel cards, especially considering its more affordable annual fee. However, the Chase Sapphire Reserve®, our main pick for the best premium travel card, might be a better fit if you’d prefer a less restrictive annual travel credit and a more comprehensive travel insurance policy.   Courtesy of American Express Pros Access to the widest network of airport lounges of any card Complimentary elite status in the Marriott and Hilton hotel loyalty programs Hundreds of dollars in annual statement credits for travel, dining and more Cons High annual fee ($695) Doesn't include baggage delay, travel accident and primary rental car insurance Limited bonus categories Terms apply. Click here for rates and fees. HIGHLIGHTS Annual Read the full article

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11 Best Cash Back Credit Cards of August 2023

Our Top Picks for Cash Back Credit Cards of August 2023 Chase Freedom Unlimited® — Best with No Annual Fee Blue Cash Preferred® Card from American Express — Best for Groceries Ink Business Cash® Credit Card — Best for Business Bank of America® Customized Cash Rewards Credit Card — Best for Custom Categories Capital One Savor Credit Card — Best for Dining Capital One SavorOne Cash Rewards Credit Card – Best for Dining with No Annual Fee Alliant Cashback Visa® Signature Credit Card — Highest Cash Back Rate Chase Freedom Flex℠ — Best for Rotating Categories TD Double Up℠ Credit Card — Best Flat Rate Sam’s Club® Mastercard® — Best for Gas Prime Visa— Best for Retail Other cash back credit cards we considered   Best Cash Back Credit Cards Reviews   Courtesy of Chase Pros 5% back on travel if you book through Chase Ultimate Rewards(R) 3% on dining and drugstore purchases bonus_miles_full Cons 3% foreign transaction fee HIGHLIGHTS Annual fee $0 Insurance and protection Purchase protection, extended warranty, trip cancellation/interruption insurance, rental collision waiver Intro APR: intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration│ Regular APR: reg_apr,reg_apr_type│ Annual Fee: annual_fees Why we chose it: Simply put, the Chase Freedom Unlimited® offers more bonus categories and higher cash back rates than most no-annual-fee cards — higher, in fact, than than some cards that do charge an annual fee. The Chase Freedom Unlimited® offers some of the highest reward rates of any no-annual-fee cards, including: 5% on travel purchased through the Chase Ultimate Rewards® portal 3% on dining and drugstore purchases (including takeout and eligible delivery services) 1.5% on all other purchases However, during your first year of card membership — or up to your first $20,000 spent — you’ll earn an additional 1.5% cash back on all purchases. This translates to: 6.5% cash back on travel booked through Chase Ultimate Rewards® 4.5% cash back on purchases made at drugstores and dining at restaurants (including takeout and eligible delivery services) 3% on all other purchases After your first year, or the first $20,000 spent, the rewards go back to the above-mentioned base rate. In addition to its high reward rates, the Chase Freedom Unlimited® also offers rental collision waiver and flight cancellation insurance, which make it one of the best cards to use to book your travel plans. Do note, however, that it has a pesky 3% foreign transaction fee on any purchase you make abroad, so you might want to take a different card once you’re actually on your trip. Finally, Chase Ultimate Rewards® frequently provides promotional offers for cardholders, and you can often get up to 20% cash back at specific stores upon activation.     Courtesy of American Express Pros 6% back at U.S. supermarkets up to the first $6,000 each year (1% thereafter) 6% on select U.S. streaming subscriptions 3% on transit (includes U.S. gas stations, public transportation and more) bonus_miles_full Cons annual_fees 2.7% foreign transaction fee Terms apply. Click here for rates and fees. HIGHLIGHTS Annual fee annual_fees Insurance and protection Car rental loss and damage insurance, purchase protection and return protection* Intro APR: intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration│ Regular APR: reg_apr,reg_apr_type│ Annual Fee: annual_fees Why we chose it: The Blue Cash Preferred® Card from American Express offers incredibly high rewards, especially when it comes to groceries and transportation. American Express® cards are known for providing plenty of rewards and luxury perks, and the Blue Cash Preferred® Card from American Express is easily its best when it comes to cash back. It offers one of the highest rates out there when it comes to groceries as well as on a variety of reward categories: 6% at U.S. supermarkets up to the first $6,000 spent (1% thereafter) 6% on select U.S. streaming subscriptions 3% on transit-related purchases and at U.S. gas stations (including taxis/rideshare, parking, tolls, trains, buses and more) 1% on all other qualifying purchases Terms apply Select U.S. streaming services include fan favorites like Netflix, Hulu and Spotify. This means that, depending on how many subscriptions you have, you could get over $30 back a year just for binge-watching your favorite shows. This card’s biggest drawback is that, although it does not charge an annual fee for the first year, it does charge a $95 annual fee after that. While it also comes with benefits such as secondary rental car insurance, purchase protection and more, the $95 might not be worth it if your grocery shopping is minimal and/or you don’t commute much. If the annual fee is a deal-breaker, you can also take a look at the Blue Cash Everyday® Card from American Express. That one offers 3% back on eligible purchases at U.S. supermarkets and on U.S. gas stations, up to $6,000 on each of those categories, and 1% after. (Terms apply. See rates and fees for Blue Cash Everyday® from American Express.) Terms apply. Click here for rates and fees. Courtesy of Chase Pros 5% on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% up to the first $25,000 spent annually on combined purchases made at gas stations and restaurants Primary rental car insurance bonus_miles_full Cons Low spending caps on bonus categories 3% foreign transaction fee HIGHLIGHTS Annual fee annual_fees Insurance and protection Primary rental insurance, purchase protection, extended warranty protection Intro APR: intro_apr_rate,intro_apr_duration│ Regular APR: reg_apr,reg_apr_type│ Annual Fee: annual_fees Why we chose it: The Ink Business Cash® Credit Card by Chase offers high cash back rates on business-related expenses and great insurance coverage for no annual fee. This business card by Chase offers a whole lot of value for its $0 annual fee, beginning with high rewards on a variety of business expenses, which include: 5% on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% on restaurants and gas stations up to $25,000 combined annually 1% on all other qualifying business purchases As with all business cards, you can get employee cards and monitoring services at no cost. It also offers primary rental car insurance when the vehicle is used for business purposes, a perk rarely found, if ever, in cards with no annual fee. Unfortunately, it doesn’t offer any travel perks and the card does charge a foreign transaction fee of 3%. For additional and travel-related benefits, other point-based cards offer much more but with the cost of an annual fee. Best for Custom Categories: Bank of America® Customized Cash Rewards Credit Card Courtesy of Bank of America Pros 3% back on category of your choice and 2% on groceries up to $2,500 combined each quarter Preferred Rewards members could get even more cash back Cons Spending cap for bonus rewards is low No insurance HIGHLIGHTS Annual fee $0 Insurance and protection Standard fraud protection Why we chose it: The Bank of America® Customized Cash Rewards Credit Card allows cardholders to choose from a long list of categories the ones that yield the most rewards for them. This card by Bank of America is, as its name suggests, customizable. Each quarter, you can choose a category between dining, gas, travel, drugstores, online shopping and home improvement or furnishing; cash back rates are as follows: 3% on a category of your choice up to $2,500 each quarter, 1% thereafter 2% at grocery stores and wholesale clubs up to $2,500 combined with 3% category 1% on all other qualifying purchases Preferred Rewards members, who must comply with hefty checking account requirements ($20,000 three-month combined daily average to qualify for the lowest Gold Tier), can get even more cash back on all categories. Gold members could earn 3.75% cash back on their custom category, for example, and all the way up to 5.25% for Platinum and Diamond members. On the downside, the Bank of America® Customized Cash Rewards Credit Card doesn’t provide added features beyond standard services such as fraud and overdraft protection. There’s no travel-related insurance policies or cell-phone protection. All information about the Bank of America® Customized Cash Rewards Credit Card has been collected independently by Money.com.   Courtesy of Capital One Pros Unlimited 4% back on dining, entertainment and select streaming services 3% at grocery stores 8% on purchases booked through Capital One Entertainment No foreign transaction fee Cons $95 annual fee HIGHLIGHTS Annual fee $95 Insurance and protection Extended warranty and travel accident insurance Why we chose it: The Capital One Savor Credit Card is practically tailor-made for a night out, offering high rewards on dining as well as entertainment. Many cards offer bonus rewards on dining and takeout; however, if your week regularly includes date nights and hitting the town to catch games and live shows, few come close to the Capital One Savor Credit Card. This card is designed to reward a great night out. Categories include: 8% on ticket purchases through Capital One Entertainment 4% on dining and entertainment, including concerts, movies, sporting events and more 5% cash back on hotels and rental cars booked through Capital One Travel 3% on groceries, excluding superstores like Walmart and Target 1% on all other qualifying purchases Whether going out or staying in and cooking dinner, this card has you covered. Keep in mind that this version of the card has a $95 annual fee. If that’s a deal-breaker, check out our next pick, the no-annual-fee Capital One SavorOne Cash Rewards Credit Card. All information about the Capital One Savor Rewards Credit Card has been collected independently by Money.com. Courtesy of Capital One Pros No annual or foreign transaction fee Unlimited 3% back on dining, entertainment and select streaming services 3% at grocery stores, excluding superstores like Walmart and Target 10% on purchases made through Uber and Uber Eats, and Uber One membership (through 11/14/2024) bonus_miles_full Cons Reward rate is lower than some competitors HIGHLIGHTS Annual fee $0 Insurance and protection Travel accident insurance and extended warranty Why we chose it: This Capital One SavorOne Cash Rewards Credit Card offers very high rewards on dining and entertainment without having to make up for a yearly cost. While the Capital One Savor Credit Card offers a higher reward rate on dining and entertainment, its no-annual-fee counterpart offers plenty of rewards of its own. These include: 10% on Uber and Uber Eats purchases, along with an Uber One membership (through 11/14/2024) 8% on ticket purchases through Capital One Entertainment 5% cash back on hotels and rental cars booked through Capital One Travel 3% back on dining, entertainment and select streaming services 3% at grocery stores, excluding superstores like Walmart and Target 1% on all other qualifying purchases As with many Capital One cards, this card also gives you access to Capital One Dining which comes with even more benefits including exclusive reservations at great restaurants and specialized dining experiences with top chefs. Note that this card does require excellent credit; however, Capital One has yet another version of this card meant for good (not excellent) credit — the Capital One SavorOne Cash Rewards for Good Credit.   Courtesy of Chase Pros 5% back on rotating quarterly categories 5% on travel through Chase Ultimate Rewards(R) Offers cell phone protection along with other insurance Cons 1% base rate on all other purchases 3% foreign transaction fee HIGHLIGHTS Annual fee $0 Insurance and protection Purchase protection, extended warranty, trip cancellation/interruption insurance, cell phone protection, rental collision waiver Why we chose it: The Chase Freedom Flex℠ packs great rewards and perks; add on the 5% cash back on quarterly categories and it’s easily one of the best cards in the category. A card that simply offered 5% back on travel, 3% on two extra categories and nothing else would already be a leading contender for best cash back card. The Chase Freedom Flex℠ offers that and more: 5% on quarterly bonus categories (up to $1,500 on combined purchases in the quarterly categories) 5% on travel booked through Chase Ultimate Rewards® 3% on dining at restaurants (including takeout and eligible delivery services) 3% on drugstore purchases 1% on all other qualifying purchases The categories for each quarter depend on Chase’s cash back calendar; for example, you could get 5% back on gas one quarter, followed by the same rate of rewards on purchases at Amazon the next. It also offers significant insurance and protection, which is rare for cards without an annual fee. It has trip cancellation and delay insurance, cell phone protection, extended warranties, purchase protection and more. Keep in mind that the Chase Freedom Flex℠ only offers 1% on regular purchases. If you’re not going to use or keep track of the 5% rewards categories, you should consider the Chase Freedom Unlimited®, our pick for best no-annual-fee card. All information about the Chase Freedom Flex℠ has been collected independently by Money.com.     Courtesy of Alliant Pros High 2.5% cash back on eligible purchases up to $10,000 per billing cycle (for Tier One customers) Visa Signature(R) benefits such as purchase and identity theft protection No foreign transaction fee Cons Cardholders must comply with certain requirements to get the 2.5% rewards No introductory offer HIGHLIGHTS Annual fee $0 Insurance and protection Purchase protection, extended warranty, identity theft protection, travel accident insurance, rental collision waiver Why we chose it: Alliant’s credit card has an advantage over all other flat rate cards: a 2.5% cash back on every qualifying purchase up to $10,000 spent monthly. That’s a potential $3,000 in cash back per year. This card by Alliant Credit Union offers the highest flat-rate cash back around: 2.5% on every purchase, up to the first $10,000 spent per billing cycle. This is a potential $3,000 if you spend the full amount; after that, you can still keep earning unlimited cash back at a base rate of 1.5%. While the rate is certainly attractive, earning it does involve certain requirements. To qualify for the 2.5% earning rate, you have to be an Alliant Tier One customer. This means cardholders must have an Alliant High-Rate Checking account, keep an average daily balance of $1,000 or more, sign up for eStatements and make at least one electronic deposit a month. This could be onerous or even inaccessible for some potential customers. However, if you can easily meet these requirements, the 2.5% will be well worth it. If you don’t qualify for the 2.5% rewards, you’ll still get cash back, but at a 1.5% rate. In addition to its high rewards, the card includes significant perks, such as travel accident insurance, purchase protection and other warranty policies. This makes the Alliant Cashback Visa® Signature Credit Card a very complete package that, when paired with no annual fee, can yield enormous savings. All information about the Alliant Cashback Visa® Signature Credit Card has been collected independently by Money.com. Best Flat Rate: card_name Courtesy of TD Bank Pros 2% cash back on all eligible purchases bonus_miles_full Extended warranty protection Cons No bonus categories Some of the insurance services kick in after being approved for a credit limit of $5,000 or more HIGHLIGHTS Annual fee: annual_fees Insurance and protection: Cell phone protection, purchase security, extended warranty protection, lost luggage reimbursement, travel accident insurance Why we chose it: The card_name not only offers a high flat rate of 2% cash back, but it also comes with the most extensive array of insurance-related perks of any card in its category. The TD Double Up℠ Credit Card offers hassle-free 2% cash back. In other words, there are no special requirements or bonus categories, just 2% back on eligible purchases across the board. In addition to that, it has a long list of insurance policies on purchases made with the card, including up to an additional year of extended warranty. It actually offers the most insurance services out of all cards with a 2% flat rate, which makes it an excellent all-around option. However, there is a catch with the insurance services — if your credit limit is below $5,000, only cell phone protection applies. Once a cardholder is approved for $5,000 or more, reaching Visa Signature status, they’ll qualify for the other insurance policies: extended warranty, purchase security, lost luggage reimbursement and travel accident insurance.   Courtesy of Sam’s Club Pros 5% back on gas up to the first $6,000 spent (1% thereafter) 3% Sam's Cash on dining and takeout 3% at Sam's for Plus members Cons Needs a Sam's Club membership Only 1% at Sam's for non-Plus members HIGHLIGHTS Annual fee $0 but must be a Sam's Club member Insurance and protection Standard fraud protection Why we chose it: Plain and simple, no other card offers 5% back on gas like the Sam’s Club® Mastercard® does — this, in addition to other great benefits, makes it a great option for avid Sam’s Club shoppers. The Sam’s Club® Mastercard® is not just for wholesale shopping fans as it also offers benefits outside the store. Its rewards program includes the following cash back categories: 5% at U.S. gas stations up to the first $6,000 spent (1% thereafter) 3% on dining and takeout 3% on Sam’s Club purchases for Sam’s Plus members 1% on all other qualifying purchases Cardholders can earn a maximum of $5,000 in Sam’s Cash in a calendar year The card’s 5% back at U.S. gas stations is the highest among its kind. If you commute long hours or drive a gas-guzzler, that’s $300 of cash back each year, in addition to what you’ll earn at the 1% rate after that first $6,000 you spend. You can use all this cash back to pay at any Sam’s Club, both at the register or through the mobile app, or redeem it for actual cash at the cash register. Having said that, the lackluster introductory offer, the lack of any travel or purchase insurance and the need to be a Sam’s Club member are definite drawbacks. However, if you live near Sam’s major competitor, check out the Costco Anywhere Visa® Card by Citi, which offers 4% on gas up until the first $7,000 spent, and 1% afterwards. All information about the Sam’s Club® Mastercard® has been collected independently by Money.com.   Courtesy of Chase Pros 5% on Amazon shopping 2% on dining, gas and drugstore purchases Great protection and insurance benefits Cons 1% base rate Must be a Prime member to enjoy highest rewards HIGHLIGHTS New cardmember offer: $0 (must be Prime member, which is $139 per year) Insurance and protection: Travel accident insurance, lost luggage reimbursement, baggage delay insurance, rental collision waiver, extended warranty, purchase protection Intro APR: intro_apr_rate,intro_apr_duration | Regular APR: reg_apr,reg_apr_type | Annual Fee: annual_fees Why we chose it: With one of the highest store-specific cash back rates, and one of the largest product selections in the world, the Prime Visa can get you hundreds of dollars back a year. The amount of products and services that tech giant Amazon offers is, arguably, the largest selection in the world. A card that gives you 5% every time you hit that purchase button is definitely a good addition to your wallet. Read the full article