how to get cash back from credit one card

Capital One Quicksilver Cash Rewards Credit Card · One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening · Earn. The god of Cash Back suddenly appears in a grocery store and asks the assistant manager how he can earn five percent cash back rewards with. For a starter card, the Credit One Bank Visa Cash Back Rewards card offers a decent rewards program, though there are better ones around. Cardholders can earn 1.

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Credit One Bank® Unsecured Visa® With Cash Back Rewards Card Review

The Credit One Bank® Unsecured Visa® With Cash Back Rewards Card is an unsecured, entry-level credit card for cardholders seeking to rebuild their credit and put their financial lives back on track. Depending on your credit profile, its annual fee ranges from $0 to $99 ($0 to $75 for the first year your account is open). The credit limit ranges up to $1,500, with no initial or ongoing security deposits required.

This is not keybank corporate phone number generous credit card by any means. It has no sign-up bonus, no real cardholder benefits to speak of, a fairly low credit limit, and potentially pricey cash advances. Also, Credit One Bank Unsecured Visa is one of the few credit cards that reserves the right to waive the grace period – in other words, to begin charging interest on purchases as soon as they post to your account. Credit One Bank makes this determination on a case-by-case basis when processing applications.

All that said, for cardholders with average or even below-average credit, Credit One Bank Unsecured Visa is likely to be one of the few available options that requires no security deposit. That’s an important point of distinction for prospective cardholders on tight personal budgets.

Key Features

Credit Limit

This card carries a minimum credit limit of $300 and a maximum credit limit of $1,500. You can’t charge more than $1,500 without paying off some or all of your preexisting balance. It takes up to 12 days for balance payments to reduce your credit limit.

Earning Cash Back Rewards

This card has a 2-tiered cash back rewards program.

Cardholders with impaired credit qualify for a less generous scheme that earns 1% cash back on eligible net purchases of gas, groceries, mobile phone, Internet, cable, and satellite TV services. Cardholders with better credit qualify for a more generous, straightforward arrangement: unlimited 1% cash back on all eligible net purchases, with no spending categories or caps.

Redeeming Cash Back Rewards

Each month’s cash back automatically posts to your credit card account as a statement credit. There’s no minimum redemption threshold.

Grace Period

Somewhat unusually, some Credit One Bank Unsecured Visa accounts do not have grace periods. If you’re not given a grace period when you apply, your purchases start accruing interest immediately after posting to your account. Even if you plan to pay off your balance in full each month, waiting until your statement date to pay can significantly raise the cost of using this card. To minimize interest charges, those who can afford to do so are advised to pay down their balances as they go.

Customizable Card Face

You can choose from more than 20 unique card face designs for your card. Some designs may carry a one-time fee, so be sure to ask before you apply.

Free FICO Score Each Month

Every month, Credit One Bank provides you with an updated FICO score on your account statement. Your score is also visible in your online account dashboard. There’s no fee to see it.

Important Fees

Depending on your creditworthiness, Credit One Bank Unsecured Visa’s annual fee ranges between $0 and $75 during the first year your account is open. In all subsequent years, it ranges from $0 to $99. Depending on your creditworthiness, cash advances cost either the greater of $5 or 8% of the transferred amount, or the greater of $10 or 3% of the transferred amount. The foreign transaction fee is 3%. The authorized user fee ranges between $0 and $19. Late payments cost up to $37. Returned payments cost up to $35.

Credit Required

This card has very permissive credit standards, and it’s likely that applicants with average or even below-average credit will qualify. However, very serious issues in your recent credit history, including bankruptcies and foreclosures, are likely to disqualify your application.

Advantages

  1. Cardholders With Better Credit Pay No Annual Fee. If you have decent credit, you may be able to avoid paying an annual fee to keep this card in your wallet. That’s certainly welcome, especially in light of the fact that this card has no rewards program to soften the annual fee’s blow.
  2. No Security Deposit Required. Unlike many cards designed for credit-challenged cardholders, Credit One Bank Unsecured Visa is not how to get cash back from credit one card and therefore doesn’t require new cardholders to make upfront security deposits. Some popular secured credit cards require at least $200 or $300 upfront before activating cardholders’ accounts, followed by additional deposits whenever cardholders wish how to get cash back from credit one card raise their credit limits. For many cash-strapped consumers intent on improving their credit, that’s a tall order.
  3. Decent Rewards for Its Category. Credit One Bank Unsecured Visa’s maximum 1% cash back rate isn’t spectacular by premium cash back card standards, but it’s not bad at all for cash back cards built for consumers with below average credit. If you’re looking to rebuild credit and earn a return on spending, you’d do worse than this card.
  4. No Penalty APR. Credit One Bank Unsecured Visa doesn’t charge penalty interest. That’s a potential lifesaver for cardholders who occasionally miss payments due to liquidity issues. Some secured and entry-level credit-building cards charge penalty interest at rates as high as 30% on an indefinite basis. That can significantly add to the cost of carried balances.
  5. Free Credit Score Each Month. You get a free FICO score thank you for smoking full your monthly statement and in your online account dashboard. This allows you to track changes in your credit at a glance and make connections between your credit score and your spending, credit utilization, balance payments, and other activities.
  6. Permissive Qualification Standards. By non-secured card standards, Credit One Bank Unsecured Visa is very easy to obtain. If you have average or even below-average credit, it’s worth your while to apply for this card. While approval is never guaranteed, it’s far more likely that you’ll be approved for this card at a low credit limit than for a more generous cash back card at any terms. This can be a great first step on the road to better credit.
  7. Responsible Use Builds Credit Over Time. Credit One Bank reports your payment patterns and credit utilization habits to all three major credit reporting bureaus each month. If you use this card responsibly and make timely payments, this is likely to improve your credit over time, hopefully paving the way for a more united bank and trust mortgage rates credit card in the near future.

Disadvantages

  1. May Charge an Annual Fee. If your credit falls in the lower end of the acceptable range for this card, you’re likely to be charged an annual fee as high as $75 in the first year and $99 each year thereafter. For those on tight budgets, this is unwelcome news, and should serve to underscore the point that this card is best used as a temporary bridge to better credit, not a long-term spending solution.
  2. No Sign-up Bonus. This card doesn’t have a sign-up bonus. That’s a big problem for applicants looking to juice their earnings right out of the gate. If you’re looking for an entry-level cash back card with a decent early spend bonus, check out the Capital One Quicksilver Cash Rewards Credit Card or the Chase Freedom Credit Card.
  3. Low Maximum Credit Limit. This card’s maximum credit limit is $1,500. If you intend to use Credit One Bank Unsecured Visa as your family’s everyday spending card, that may be too low, unless your cash flow is sufficient to pay off purchases as you make them. Some competing secured cards have spending limits as high as $5,000 or $10,000. Those levels are much more comfortable for moderate to heavy spenders.
  4. Some Accounts Have No Grace Period. One of this card’s more troubling drawbacks is the potential lack of a grace period on interest accrual. Grace periods are common credit card features, so even the possibility of omission is noteworthy. It’s possible to minimize the impact by paying for purchases as you go, but that’s inconvenient for frequent spenders.
  5. No Balance Transfers. You can’t make balance transfers with this card. If you’re facing high-interest balances on an existing credit card account, look to a tried-and-true balance transfer card such first bank of clewiston labelle fl Chase Slate or Citi Simplicity (though be aware that both require good credit).
  6. Potentially High Cash Advance Fees. Credit One Bank Unsecured Visa’s cash advances can cost as much as 8% of the advanced amount. Most other cards cap cash advance fees at 5% of the advanced amount, so that’s a big (and potentially costly) difference.

Final Word

The Credit One Bank® Unsecured Visa® With Cash Back Rewards Card is not an aspirational credit card. In fact, as credit cards go, it’s pretty unremarkable. However, for consumers who’ve struggled with credit issues in the relatively recent past and find that most of their credit card options require a hefty upfront security deposit, it’s a valuable alternative. If you struggle to qualify for more generous cards, give Credit One Bank Unsecured Visa a try. With responsible credit utilization and timely balance payments, you could find move up in the credit card world a lot sooner than you imagine.

Источник: https://www.moneycrashers.com/credit-one-bank-unsecured-platinum-card-review/

iPhone Screenshots

Description

Conveniently manage your credit card accounts with the Credit One Bank Mobile App. Schedule payments and review account activity, balances, payment history, offers, and more!

FAST AND SECURE ACCOUNT ACCESS
Fast and secure sign-in with Face ID® and Touch ID® (available on capable devices) 
Use Quick View to see a snapshot of your account without signing in

ENJOY ON-THE-GO ACCOUNT ACCESS
Schedule, edit, or cancel payments
Change your payment due date
Check your balance and available credit, and view recent transactions or monthly statements
Access your Free Online Experian Credit Score 
Manage your profile and account settings
Easily manage multiple accounts
Enroll in paperless documents and statements to keep your account information secure and ensure important communications won't get lost in the mail

OFFERS & DEALS
View the latest offers and More Cash Back Rewards on purchases at participating merchants 
View exclusive credit card offers

STAY INFORMED
Easy access to Help & Support contact information
Use our chat feature for instant answers to your questions
View a full list of frequently asked questions and answers
Choose how you get alerts, including mobile notifications, email, and text
Set up notifications for important account activity, payment reminders, and special offers 
Get notified when rewards and exclusive credit card offers are available
Receive alerts of fraudulent activity is suspected on your account

This release includes answers to frequently asked questions about the new AutoPay feature. We’ve also fixed a few bugs to improve your experience, including resolving an error that was preventing users who rely on voice over service from making a payment in the app.

Ratings and Reviews

4.7 out of 5

939.5K Ratings

GREAT option for credit-challenged people

I've read reviews about poor customer service, lack of contact, etc.I've had nothing but a great experience! I've been a Credit One customer for a couple of years now and LOVE them. They gave me my first unsecured card with a $500 limit when no one else would--everyone else wanted a secured account equal to my credit line. Since then I've increased the limit on that card to $1,000 and gotten a second "platinum" card with them. I use them both and try to pay them both off each month, building my credit a little at a time--I didn't get bad credit overnight and there's no magic way to make bad credit go away overnight. I monitor my account through the phone app, make payments there.and when I need to talk to a live rep I've never had an issue. Yes, they're overseas--but polite and always willing to work with me if I need something, including waiving fees when there's a good reason. I HIGHLY recommend Credit One.and being responsible to rebuild your credit. Use your card a little, pay it off each month, build up your score a little each month. If you can't make a payment on time or something goes wrong, communication is key.

Decent for starter card, app is basic

I got this card 5 years ago to rebuild my credit after a charge off when no one else would give me credit, and for that I am forever grateful. I understand the risk involved on their side, so fees and high interest rates are necessary. But the interest rate did drop 10% over the last few years as my credit worthiness improved bringing it in line with my capital one card. I just wish that as your score improved they would change other factors such as removing the annual fee and the fee to make a payment. These are why I don’t really use the card much. And if it wouldn’t negatively impact my score I would’ve cancelled it. The app is pretty basic. It gets the job done. I love my free credit score. But I don’t like the way it lists the transactions. It should show like a bank account does: transaction -/+$xx, then resulting balance $xx. But it’s nice and easy to make a payment. That’s they whole reason I got the app. I got tired of paying $10 for every payment. I really don’t like that there is no auto pay option. This is the only bill I have not set up on auto pay and as a result have been late a few times because I don’t get any notifications and all my other bills are paid automatically. I don’t think about it until it’s too late sometimes. I seriously don’t like that because it negatively impacts my score.

We're working to make the mobile app experience the best around. We'll share your feedback and suggestions with our app developers. Thanks for taking the time to let us know about your experience.

Little improvement

Now when you log out of the app the finger print reader doesn’t auto launch itself so that when you touch the home button to close the app, you don’t accidentally log back in to the app. However the way this bank operates suggest to me that they have a vested interest in keeping you credit score down. For example if you pay off the full balance on your account hoping to see a zero balance on your credit file, you are wrong. The monthly fee for using the card which you can not pay in advance at the time you are paying off your balance is charge on the first day of the billing cycle which is the very same day that they update your credit report. So practically, it doesn’t matter how well you pay your balance in full on time, your credit file will always show a balance from Credit One. That small balance does have an impact on your credit especially 1st and 4th amendment you are dealing with creditors who are looking at your credit file very critically either because of pass history or the reason for which you are applying for credit. Credit One is not the best card for rebuilding credit. If one is going to use this card because its the only thing available to them, one will have to very careful and watchful as to how the card affects their credit. The goal should be to get out as soon as possible.

We're working to make the mobile app experience the best around. We'll share your feedback with our developers. Thanks for taking the time to let us know about your experience.

The developer, Credit One Bank, N.A., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller
Credit One Bank, National Association

Size
112.7 MB

Category
Finance

Compatibility
iPhone
Requires iOS 12.0 or later.
iPod touch
Requires iOS 12.0 or later.

Age Rating
4+

Copyright
© 2021 Credit One Bank, N.A. All Rights Reserved. Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

Price
Free

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

More By This Developer

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Источник: https://apps.apple.com/us/app/credit-one-bank-mobile/id1128712763
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

For ups usa phone number, cash back is king. With the right card, you can earn money back on where you spend the most — whether that be the grocery store, on takeout naugatuck patch arrests gas. Here are the top cash-back credit cards from our partners that you can use to maximize your everyday purchases. As always, check out our best credit cards overall for monthly offers.

Terms & restrictions apply.See rates & fees

BEST REWARDS RATE FOR A CASH-BACK CARD

2% cash-back

  • 2% Earn unlimited 2% cash rewards on purchases

$200 cash rewards

$200 cash rewards

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

If you’re interested in opening a cash-back card but are confused by other options that discuss “rotating categories” or “spending 1st cavalry division fort hood texas make your life easier with the Wells Fargo Active Cash card. Earn 2% cash rewards on every purchase and turn your rewards into cash-back that can help you lower your everyday expenses or treat yourself to a gift — from you, to you.

Pros

  • There’s no annual fee, meaning that you can keep your costs low while focusing on earning rewards

Cons

  • Don’t take this card abroad with you, as this card incurs a 3% foreign transaction fee
  • New! Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select "Apply Now" to learn more about the product features, terms and conditions

Pros

  • There’s no annual fee, meaning that you can keep your costs low while focusing on earning rewards

Cons

  • Don’t take this card abroad with you, as this card incurs a 3% foreign transaction fee
  • New! Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • discover savings account debit card Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage mankato state university admissions address theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
  • Select "Apply Now" to learn more about the carrera bbva bancomer 2018 cdmx features, terms and conditions

Terms & restrictions apply.See rates & fees

Best for gas, supermarkets, and select streaming services cash back in the U.S.

1 - 6% cash-back

  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% 6% Cash Back on select U.S. streaming subscriptions
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more how to get cash back from credit one card 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

$300

$300

$0 introductory annual fee for the first year, then $95.

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee.

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for beginner cash arvest personal online banking

1 - 3% cash-back

  • 3% 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% 2% cash back at U.S. gas stations and at select U.S. department stores.
  • 1% 1% Cash Back on other purchases

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Blue Cash Everyday card is a good option for people who want a simple cash-back structure with no annual fee. You’ll earn bonus cash-back on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee.
  • Unlimited 2% cash back at U.S. gas stations and select U.S. department stores. how to get cash back from credit one card
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 how to increase credit limit chase purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee.
  • Unlimited 2% cash back at U.S. gas stations and select U.S. department stores.
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

BEST FOR FLAT-RATE CASH BACK

1.5% cash-back

  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.

Pros

  • Unlimited 1.5% cash back on all purchases
  • No annual fee
  • Cash back doesn't expire

Cons

  • Limited card perks and benefits
  • Other cards offer more potential and upside when it comes to redeeming cash back
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees

Pros

  • Unlimited 1.5% cash back on all purchases
  • No annual fee
  • Cash back doesn't expire

Cons

  • Limited card perks and benefits
  • Other cards offer more potential and upside when it comes to redeeming cash back
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's northwest community credit union hours of operation limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees

1.5 - 5% cash-back

  • 5% 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% 5% on travel purchased through Chase Ultimate Rewards®.
  • 3% 3% cash back on dining at restaurants, including takeout and eligible delivery services and on drugstore purchases.
  • 1.5% Unlimited 1.5% cash back on all other purchases.

$200

$200

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories.
  • There is no annual fee - Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.

Cons

  • There is a foreign transaction fee so the card shouldn't be used abroad.
  • Limited card perks and benefits.
  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited 1.5% cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%.
  • No annual fee.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories.
  • There is no annual fee - Perfect for everyday, non-bonused spending - incredible value when paired with a premium Chase card.

Cons

  • There is a foreign transaction fee so the card shouldn't be used abroad.
  • Limited card perks and benefits.
  • $200 Bonus homes for sale in cahuita costa rica you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 3% cash back on dining at restaurants, including takeout and eligible delivery services
  • 3% cash back on drugstore purchases
  • 5% on travel purchased through Chase Ultimate Rewards®
  • Unlimited 1.5% cash back on all other purchases
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%.
  • No annual fee.

The citizens bank union ms for entertainment cash back

1 - 8% cash-back

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Capital One SavorOne is a great cash-back credit card for beginners looking for a solid cash back structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.

Pros

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.
  • The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (14.99% - 24.99% variable APR after).

Cons

  • If you spend a lot on how to get cash back from credit one card and entertainment each year, the Savor is the better value since it earns higher rewards.
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn).
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back wings financial credit union reviews expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee

Pros

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card.
  • The intro APR offer that comes with this card makes it a solid choice for those looking to finance a large purchase. You’ll get 0% intro APR on purchases and balance transfers for the first 15 months (14.99% - 24.99% variable APR after).

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards.
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn).
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee

Best for small business spending

1 - 5% cash-back

  • 5% Earn 5% cash back 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% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn

$750

$750

670-850

Good, Excellent

670-850

Good, Excellent

Why we chose it

The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations.

Pros

  • The current sign-up bonus on this card is an impressive $750. TPG values it at $1,500, not including any points you may earn from the valuable bonus categories.
  • There is no annual fee which is perfect for small business owners.
  • You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.

Cons

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases

Pros

  • The current sign-up bonus on this card is an impressive $750. TPG values it at $1,500, not including any points you may earn from the valuable bonus categories.
  • There is no annual fee which is perfect for small business owners.
  • You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.

Cons

  • 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year.
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • 0% introductory APR for 12 months on purchases
Источник: https://thepointsguy.com/credit-cards/cash-back/
Credit cards in the holiday season

The holiday season is here, and these tips can help you use your credit cards to maximize your savings and keep your purchases safe. Whether you're spending on gifts for family and friends, travel or otherwise, the right credit card with the right features can help stretch your dollars and make your seasonal transactions as seamless as possible.

1. Use virtual card numbers when shopping online

It's possible for scammers to get a hold of your credit card information online when you make purchases. When this happens, it's likely you'll have to shut down your account and wait for a new card to be issued. To avoid this hassle, many credit card companies offer one-time "virtual account numbers" to make online purchases. You'll be issued a unique 16-digit card number, expiration date and CVV that you can use to safely make a purchase with your account without entering your card's real information. For credit cards that offer this feature, like some select Citi® cards and the new X1 Card*, just log in to your account and request a virtual account number -- it should be generated on the spot.

2. Use the best cash-back rates

Using one of the best cash-back credit cards is a tried and true way of maximizing your savings during the holidays. If you're planning to do both brick-and-mortar and online shopping, the Wells Fargo Active Cash℠ Card* offers a flat 2% cash rewards on purchases. If most of your holiday shopping will be online, you might consider the Community bank credit card login of America® Customized Cash Rewards credit card* or the Amazon Prime Rewards Visa Signature Card*. 

With the Customized Cash Rewards card, you can opt to receive 3% cash back on online shopping (and 2% cash back on grocery stores and wholesale clubs, for up to a combined $2,500 of expenditure in 3% and 2% categories per quarter, then 1%). With the Amazon Prime Rewards Visa Signature Card, you can enjoy 5% cash back on all Amazon and Whole Foods purchases if you have a Prime membership, among other benefits. 

3. Use a card with purchase protection

A lot of people have credit card benefits they're not even aware of that are tucked away in the fine print. Many credit cards offer purchase protection against damage and theft, which acts like insurance for your gifts. For a set amount of days -- generally between 90 and 120 days -- purchases you make on the card that are stolen or damaged may be refunded up to certain value thresholds. For example, the Chase Freedom Unlimited® is a top cash-back credit card that offers Purchase Protection for 120 days on purchases made with the card. If an item you purchased is damaged or stolen from you or your gift recipient, you can receive up to $500 per claim and up to $50,000 per account.

4. Use a card with trip protection

If you're traveling for the holidays, some credit cards offer flight, hotel, car rental and other trip insurance perks for card holders at no extra cost. Trip protection and trip cancellation insurance are common features of some credit cards -- again, you just have to look at the fine print. There can be a wide range of protection offered on travel-related purchases made on your card, such as car rental insurance, reimbursements for delayed flights and other trip interruptions, baggage insurance and sometimes more. The Chase Freedom Flex℠ is a well-rounded card that offers comprehensive trip cancellation and interruption insurance.

5. Use a welcome bonus

If you're going to be spending anyway -- and you're in the market for a new credit card -- you might as well reward yourself with a new credit card sign-on bonus. Many sign-on bonuses, or welcome bonuses, can net you up to several hundred dollars in cash back, statement credit, rewards points or travel miles. If you're looking for a credit card solely to take advantage of the sign-on bonus, we recommend one with no annual fee, such as the Chase Freedom Flex, Chase Freedom Unlimited and Capital One Quicksilver Cash Rewards Credit Card*, which all feature a sign-on bonus of $200 after you spend $500 within the first three months of opening an account.

Read more:The best credit card welcome bonuses for 2021

6. Use a card with 0% introductory APR

You can apply for a 0% introductory APR credit card to receive interest-free, long-term financing on your holiday purchases. While many cards offer 0% introductory APR for purchases for 12 to 15 months on average, some offer longer periods -- like the U.S. Bank Visa® Platinum Card, which offers a 0% introductory APR on purchases (and balance transfers) for 20 billing cycles (14.49% to 24.49% variable APR thereafter). One of your current cards may also have a 0% financing -- you can find out by viewing your account offers online. Some cards often offer 0% financing deals even after you've had the account open for a while. As always, be careful not to go overboard with holiday spending and make sure you can make your monthly payments in full.

More of our credit card recommendations

A direct deposit of news and advice to help you make the smartest decisions with your money.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

*All information about the X1 card, Bank of America Customized Cash Rewards credit card, Amazon Prime Rewards Visa Signature Card, Wells Fargo Active Cash Card, and the Capital One Quicksilver Cash Rewards Credit Card has been collected independently by CNET and has not been reviewed by the issuer.

Источник: https://www.cnet.com/personal-finance/6-tips-for-using-credit-cards-this-holiday-season/

Credit cards

Check to see if you’re eligible

Before you apply, find out how likely you are to be accepted for a Barclaycard with our free, easy-to-use tool. Just so you know – your credit rating won’t be affected, and you’re not obliged to apply for a card afterwards.

Compare our credit cards

Whether you’re new to credit, want to manage your money better or you’re looking for rewards, we’ve got a range of cards that could help.

Barclaycard Rewards card

  • 0.25% cashback on your everyday spending
  • No fees abroad – you’ll be able to withdraw cash from a cash machine, buy your souvenirs without any charges and benefit from Visa’s competitive exchange rate
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative22.9% APR (variable)

Purchase rate p.a.22.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The how to get cash back from credit one card of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The interest rates may differ from those shown.

Barclaycard Forward

  • A personalised credit limit between £50 and £1,200
  • 0% interest on purchases, for three months after you open your account
  • Price promise – 3% interest rate reduction if you make all your payments on time for the first year. Keep it going in the second year and you’ll get another 2% reduction
  • Get up to five months how to get cash back from credit one card of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative33.9% APR (variable)

Purchase rate p.a.33.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval how to get cash back from credit one card your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.

Barclaycard Platinum up to 29 month balance transfer card (a transfer fee applies)

  • 0% interest on balance transfers for up to 29 months, which starts on the date you open your account (a 2.69% transfer fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer
  • 0% interest on purchases for up to 3 months from the date you open your what is amazon gift card balance up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative21.9% APR (variable)

Purchase rate p.a.21.9% (variable)

Based on python tdb limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates may differ from those shown.

Barclaycard up to 20 month balance transfer and up to 22 month purchase Platinum card (a transfer fee applies)

  • 0% interest on purchases, for up to 22 months after you open your account
  • 0% interest on balance transfers for up to 20 months, which starts on the date you open your account (a 2.9% fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative21.9% APR (variable)

Purchase rate p.a.21.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates may differ from those shown.

Barclaycard Platinum up to 15 month balance transfer card (no transfer fee applies)

  • 0% interest on balance transfers for up to 15 months, which starts on the date you open your account (no transfer fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer
  • 0% transfer fee on each balance transfer made. Terms and conditions apply
  • 0% interest on purchases for up to 6 months from the date you open your account
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative21.9% APR (variable)

Purchase rate p.a.21.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates may differ from those shown.

You must have a Barclays or Barclaycard account, have a mobile number and be aged 16 or over to use the Barclays app. Terms and conditions apply.

Источник: https://www.barclays.co.uk/credit-cards/
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Источник: https://www.cardsinternational.com/news/credit-one-bank-campaign/
how to get cash back from credit one card

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