First, there is a special bonus cash back
rate on category purchases.
Not exact matches
The former are the most common and provide one cash - back
rate on certain
categories or
on all
purchases.
The downside is that the cash - back
rate on other
purchases outside the rotating
categories is not very generous.
Instead of offering a fixed
rate on all
purchases, the Chase Freedom ® card gives 5 % cash back
on up to $ 1,500 in combined
purchases in bonus
categories each quarter.
The Capital One ® Spark ® Cash for Business offers one high cash - back
rate of 2 %
on all
purchases, instead of one particular
category.
But the cash - back
rate on other
purchases outside the rotating
categories may not be very generous.
Some pay a flat
rate on all
purchases, while others shell out higher rewards in certain
categories, such as gas or groceries.
Authors, writers, publishers of eBooks, audiobooks and short texts can... A) sell their eBook through their author page
on XinXii - without author contract - in real - time, without technical skills - with an own authorpage and online shop - enter all information such as description, tags, cover, price... - upload an eBook in one or multiple formats: PDF, ePub, mobi, doc, xls... - high royalties per download - consolidated real - time sales reports - keeping full editorial and copyright control or B) sell their eBook through their author page
on XinXii and additionally
on major eBook retailers - we convert eBooks to the ePub and mobi format for free - we distribute to the leading eBook - shops all over the world for free - we provide consolidated sales reports Readers have... - the opportunity to discover new titles in all
categories and genres - an easy access to a huge variety of content - can instantly download after
purchase - have the opportunity to
rate and comment
on eBooks
But the cash - back
rate on other
purchases outside the rotating
categories may not be very generous.
By contrast, the Ink Business Preferred ℠ Credit Card will give businesses a 3.75 % rewards
rate on all travel
purchases (for the first $ 150,000 of combined spending in select
categories).
Airline rewards cardholders usually accumulate reward miles at a
rate of 1 mile per $ 1 in general spending
categories, and up to 2.5 miles per $ 1
on specialized
categories (which are often
purchases with the card's affiliated airline).
This month, the U.S. Bank Cash ™ Visa Signature ® Card is
rated the best overall offer for rewards as it gives you 5 % cash back
on up to $ 8000 in
purchases for
categories that you choose.
Beyond these special
categories, the default case is that you will earn cash back at a
rate of.25 %
on your first $ 3,000 in
purchases, and up to 1 % in cashback bonuses after you spend above that amount.
The card offers a flat
rate 1.5 % cash back
on all
purchases — meaning no caps, and no
categories to worry about.
Instead of offering a fixed cash back
rate, the Chase Freedom ® credit card earns 5 % cash back
on up to $ 1,500 in combined
purchases in bonus
categories each quarter.
Roughly 20 % of your
purchases need to fall into the above
categories to beat a 1.75 % cash back
rate on the PNC CashBuilder credit card.
The Discover It is very similar to the Chase Freedom as both cards reward 1 %
on all
purchases with the exception of a 5 % reward
rate for the first $ 1,500 for select quarterly spending
categories.
Fixed -
rate cash back cards provide one cash - back
rate on all
purchases or
on certain merchant
categories.
The 5 % cash back users get
on the first $ 1,500 in
purchases (each time you activate), within rotating
categories, is among the highest rewards
rates available of any card.
The Business Edge Travel Rewards Card offers a modest signup bonus and okay reward
rates on two everyday
purchase categories: phone services and either gas, travel and office supplies.
This card has no rotating
categories and instead offers a simple fixed rewards
rate on all
purchases — 1.5 %.
You get that bonus
rate on the first $ 1,500 you make in
purchases, within the bonus
category.
Instead of focusing
on one or two
categories, the Capital One ® Venture ® Rewards Credit Card gives 2x miles
on all
purchases, which effectively works out to a 2 % rewards
rate on all
purchases.
In the long - term, however, the U.S. Bank Perks + Visa Signature ® Card will provide users with the better rewards
on gas and grocery
purchases, since for 9 out of 12 months, the Chase Freedom ® will give you just a 1 % rewards
rate in these
categories.
Based
on a $ 200,000
purchase mortgage with 10 % down, we found that J.G. Wentworth's interest
rates were at or below the typical
rate quotes in each
category.
But the cash - back
rate on purchases that don't fall in the rotating
categories is typically not very generous.
With a 2 % rewards
rate on all spending
categories, cardholders can simply spend and redeem their rewards as statement credits towards any travel
purchase.
While credit cards will pay bonus
rates on most
purchases within the designated spending
categories, they will not pay the bonus for all
purchases.
But the cash - back
rate on purchases outside the rotating
categories typically isn't as generous.
Tiered and bonus -
category cash - back credit cards offer higher
rates on certain
purchases and 1 %
on everything else.
Instead of offering a fixed
rate on all
purchases, the Chase Freedom ® card gives 5 % cash back
on up to $ 1,500 in combined
purchases in bonus
categories each quarter.
Cash - back cards give money back
on each
purchase and come with a fixed cash - back
rate or a
rate on rotating
categories.
Besides its $ 150 sign - up bonus (same requirements as the Chase Freedom Unlimited), its biggest selling point is its cash back
rate of 5 %
on select
categories of
purchases which rotate quarterly, and 1 % back
on everything outside of those
categories.
Pros 15 months of intro 0 % APR
on purchases and balance transfers (then 14.49 % - 25.49 % variable) is complemented by strong rewards, including 3 % at U.S. supermarkets is rarefied air in terms of rewards
rates in this
category; 2 % back at U.S. gas stations is nothing to scoff at, either.
As a top tier cash back card, Chase Freedom Unlimited offers a solid 1.5 % back
on all
purchases without the need to worry about rotating
categories or keep track of different
rates.
Keep in mind: This only factors in spending
on grocery
purchases and doesn't consider if you spend in other
categories or at the other cashback
rates.
The downside is that the cash - back
rate on other
purchases outside the rotating
categories is not very generous.
Here's how it works; there is a 1 %
rate of return
on all
purchases with no
category restrictions.
The former are the most common and provide one cash - back
rate on certain
categories or
on all
purchases.
Similar to other credit card rewards, most travel rewards credit cards allow you to earn unlimited, flat -
rate points or miles
on every
purchase, and a variety of cards also offer bonus points or miles for
purchases in specified
categories.
As with cash back rewards, most rewards points credit cards will provide an unlimited flat
rate on all
purchases, typically 1X point per $ 1, as well as offering bonus points
on purchases made in specific
categories.
While the 4 percent
rate is capped at $ 7,000 worth of gas
purchases (after which gas
purchases earn 1 percent cash back), this is still incredibly generous — if you manage to max out the gas
category, you could earn $ 280 worth of cash back just
on gas
purchases.
Unlike other cash - back cards, the cash - back
rate applies to all
purchases, not just
on certain
categories.
According to Reuters, the card will offer a flat 1.5 % cash back
rate on all
purchases, no matter the
category.
Someone will have 1 - 1.5 % fixed
rates on purchases (like M&T or Capital One) while others may have 1 % cash back
on regular
purchases but then have 5 % cash back
on quarterly
categories.
As a result of all these changes, the Business card's rewards
rate will climb up to 3 %
on travel booked through Amextravel.com, 2.25 %
on purchases over $ 5,000 and 1.5 % in other
categories.
For those looking for a steady cash back
rate on purchases of unlimited 1.5 % cash back
on every
purchase, every day, no rotating
categories or sign ups needed to earn cash rewards; plus, cash back that won't expire for the life of the account and there's no limit to how much you can earn, the Capital One ® Quicksilver ® Cash Rewards Credit Card may interest you.
There's also a 10 % rewards
rate on up to $ 300 in
purchases in
categories that rotate every quarter.
The card offers an unlimited 2 % cash back
rate on all your
purchases, no matter the
category.
The REI Credit Card is a decent credit card if you're looking to get rewards
on your REI and grocery
purchases — it provides a 5 % and 2 % rewards
rate in these
categories, respectively.