The SmartyPig Cash Rewards Card

The cash rewards card from SmartyPig is a prepaid credit card which gives you rewards when you shop anywhere MasterCard credit cards are accepted.  To use it you have to deposit money from your SmartyPig goal or other funding source and into the prepaid card.  You can use the credit card anywhere merchants accepted MasterCard either online or at retail stores.  When you shop, you can earn up to 10% cash back on everything you buy at almost 10 thousand retailers.  You can use that bonus cash to deposit into your goal account or back onto the prepaid card.

This rewards card is a unique take on the how you can finance and control your money.  Instead of overspending to earn points or rewards with traditional credit cards, this prepaid MasterCard allows you to control how you spend, decide how much you can spend per month (great for deciding budgets for entertainment or eating out) and then rewarding you for being smart with your money by giving you cash back rewards.

If you’re someone who is looking for something new, that needs to start building up their savings account, and love earning rewards for good financial behavior, definitely consider signing up for a free SmartyPig account today.

Best Rewards Card for Cash Back

There are multiple credit cards that offer cash back rewards.  From the credit cards that I have seen the three best cash back credit cards are:

1. Discover More Card – 5% cash back on select categories that rotate, 5% to 20% cashback through Discover’s online shopping mall, 1% unlimited cashback on all other purchases
2. Chase Freedom MasterCard – 5% cash back on select categories, 2% on airfare, 1% on everything else
3. Citi Dividend Platinum Select Card – 5% cash back on select, rotating categories, 5% back through over 400 retailers on their Citi Bonus Cash Center, 1% everything else

Rewards Card (MasterCard)

Capital One No Hassle Cash Rewards

• 2% cash back on purchases at gas stations and grocery stores
• 1% cash back on everything else
• No annual fee
• 0% APR for one year
• Rewards include cash back, entertainment, gas, and shopping

US Airways Premier World MasterCard

• Double miles on US Airways purchases
• 1 mile per $1 spent everywhere else
• First Class check-in and Zone 2 boarding
• One complimentary US Airways Club day pass annually
• Two $99 companion tickets annually
• No annual mileage cap
• $89 annual fee
• Air travel rewards

Chase Sapphire

• Earn 1 point for each dollar spent
• Earn 2 points for each dollar spent on airfare spent through Chase’s online booking tool
• Use points to apply to purchases made with the card (redemption starts at 2,000 points for $20 statement credit)
• Unlimited rewards with no expiration
• No annual fee
• Rewards include cash back, entertainment, gas, and shopping

GM Card from HSBC

• Earn 5% on purchases to be used towards a purchase of Chevrolet, Buick, GMC, and Cadillac vehicles
• The card for people who love buying new cars
• No annual fee
• Earnings expire after 7 years

Citi Dividend Platinum Select Card

• 2% on purchases for 6 months, 1% after that
• 5% cash back on rotating categories each quarter (like department stores, clothing, and electronics)
• 5% additional cash back at over 400 retailers through the Citi Bonus Cash Center
• No annual fee

Chase Freedom MasterCard

• Earn 1% cash back on all purchases
• Earn 5% from bonus shopping categories that rotate each quarter
• Earn 2% from airfare purchases made through their booking tool
• No annual fee

AT&T Rewards MasterCard Credit Card

• Earn rewards and savings exclusive for AT&T customers
• Earn 1 point for $1 spent on non-AT&T purchases
• Points capped at 50,000 points per year
• Save up to 10% on AT&T purchases and service for the first year, and 5% after that

Sears and Kmart Rewards MasterCard

• Exclusive savings and coupons for card holders
• Special Sears financing offers
• Earn points for every $1 spent
• Special bonus points events

Amazon.com Rewards Visa Card

The credit card that I personally have, the Amazon.com rewards credit card earns points for purchases made on Amazon.com, as well as gas stations, restaurants, and everywhere else.

• 3 points per $1 spent at Amazon.com
• 2 points per $1 spent at gas stations, restaurants, drug stores, and office supply stores
• 1 point for every other $1 spent
• No maximum number of points you can earn
• No annual fee

Best Buy Reward Zone MasterCard

Love electronics?  The Best Buy rewards credit card may be the credit card you’re looking for.  With the credit card, you’re automatically enrolled in the Reward Zone program which gives you exclusive deals, savings, and rewards.  You earn 1 point for each $1 spent on dining and grocery, 2 points per dollar spent at Best Buy, and 1 point per every $2 spent everywhere else MasterCard credit cards are accepted.  With the card you earn reward certificates you can use towards music, movies, and electronics at Best Buy.

Penfed Visa Platinum Cashback Rewards Card

• 5% cash back on gas purchases
• 1% from all other purchases
• No annual fee

The Amazon Rewards Card offers a little more than just a regular credit card, because there are many excellent features that come with it. Chase issues this credit card, which has been reputable financial institution for many years. The points do take quite awhile to accumulate, but when you get up to 2500 points, you will obtain a twenty-five dollar rewards certificate issued by Amazon.com. You cannot use points at anytime; 2500 points must be accumulated before receiving your reward.

This credit card features no annual fees and special offers to new applicants. Some of the specials that Amazon.com is offering are; no interest for six months, transferring balances for free, and some discounted items. Although there are all of these excellent features, there are a few drawbacks. If you go over your limit there is a charge of thirty-five dollars per month and a late payment can cost anywhere from fifteen to forty dollars. The Amazon Rewards Cards interest rate is quite reasonable, with a rate of about fifteen percent a year but if, your payments are late your interest rate will skyrocket to thirty percent or more per year.

Overall, my Amazon Rewards Card review is extremely positive. It has saved me a lot of money because I have been benefiting from the balance transfers for free, thirty dollars off of my first purchase, and the no interest policy. My account can be accessed online; it will show me my available points, balance that is owed, and it allowed me to very easily pay my bill in about two minutes. I am very happy with my Amazon Rewards card and I will continue to use it as long as possible.

Sign up for an Amazon Rewards Card now.

Discover More Credit Card

Apply for the Discover® More Card.  Our preferred choice for people looking for a no yearly fee credit card is the Discover More credit card.  With some of the best cash rewards in the industry (5% in many categories like travel, gas, groceries, and more) you can get rewarded and essentially free money by using their credit card and paying off the balance each month.  Apply for the Discover® More Card right now!

In the frantic search for credit card options, many consumers weigh the benefits of a no annual fee credit card. It is important to note that this kind of offer often comes with a time limit and may only give a zero-percent annual fee for a 12-month billing cycle. Some even offer a short six-month no-interest campaign. To be sure of the details, it is always necessary to read the terms and conditions very closely.

Some financing companies reserve the right to change the rates and terms at any time. Usually, this may happen on a no annual feed credit card if you fail to make the monthly minimum payment on your balance by the due date or you exceed your credit limit. Credit card companies consider these acts defaults.

They may consider several factors to either give your default or enforce a penalty, including the length of time you have had the account, the seriousness of the default, credit history from the credit reporting agencies and your account usage. The final decision, however, is always up to the issuing company.

Chase Freedom Card

The Chase Freedom Card offers $50 cash back after you make your initial purchase. Additionally, this card gives bonus cash-back percentages when you make certain purchases. For online shopping with selected merchants, Chase will give you 20 percent cash back. A three-percent cash back bonus is available for purchases made for home improvement, gas, and at some department stores. No matter what you buy, you will be guaranteed the Chase one-percent cash-back bonus, with no limits or restrictions.

Citi Platinum Select MasterCard

Citi Platinum Select MasterCard offers zero percent interest for up to nine months. You can transfer balances from other cards to consolidate all of your debt, manage your account online and receive discounts on travel, gift cards and other purchases. One key feature of the Citi MasterCard is its Identity Theft Solutions plan. It provides no liability for unauthorized purchases and has measure in place to protect your account from those who might steal your card or information.

Capital One No Hassle Miles Rewards Card

The Capital One No Hassle Miles Rewards is the ideal no annual fee credit card for frequent travelers. Through a point system, you are able to accumulate miles that can be applied for any destination. The miles do not expire, and there is no limit on how many miles you can earn. A plus to last-minute travelers, this card also offers no seat restrictions or blackout dates. Best of all, you can redeem the points for things other than travel, if you wish. The zero-percent interest rate ends for this card in November 2010.

The Discover More card gives a five-percent cash-back bonus for purchases in several categories, including home improvement, gas, restaurants and even pet stores. For cardholders who shop at the Discover online exclusive site, there is a cash-back potential of up to 20 percent.

The ranges of services offered by the no annual fee credit card are endless. Some offer concierge services, email and text alerts, and a ton of opportunities to redeem points or cash earned through bonus shopping programs. Knowing how you shop and which products are most valuable to you will help you select a credit card that is the best fit for your purchasing or traveling habits. Remember to be mindful of when the zero annual percentage rate expires and try to have a low or paid-off balance by the time the interest kicks in.

A quick search will reveal websites like bankrate.com and creditcardguide.com. These sites will compare the offers that credit card companies have available in your area. It is best to start searching for low interest rate credit cards through one of these sites because actually applying for credit cards just to see what they will offer will actually decrease a person’s credit score. It makes lenders think that the consumer is desperate for money and therefore a credit risk.

Another way to find a lower interest rate on a card that a consumer already has is to call the credit card company. Every six months most credit card companies will review their accounts and adjust credit rates accordingly. Yes they do actually reduce credit rates on their own, but sometimes calling and asking for a reduced rate will work too.

Low monthly payments are helpful for making the paycheck go farther. Keep in mind that only paying the minimum payment will make your purchases extremely expensive because you are still paying interest on the item until it is paid for. Adding just a few extra dollars to the minimum payment due will make a huge difference in the final cost of a purchase. The culprit is compound interest.

Low interest credit cards usually do not offer perks. Cash back programs, rebates and free travel all cost money and have to be paid for somehow. These enticements are often paid for with higher interest rates.

There are three basic ways to find low interest credit cards. Apply for the best offers that come in the mail. This is a bad idea. It can actually decrease your credit score. Research offers available in your area by using an online comparison website like bankrate.com or creditcardguide.com. This is good. It enables a shopper to compare interest rates and other features like low monthly payments without applying for any of the cards until the shopper is ready. Lastly, check with the credit card company that the cardholder already has an account with. This will not affect a credit score and if the company lowers the interest rate it will avoid the hassle of changing accounts.