An easy way to save money with everyday purchases is to simply place your purchases on a cash back credit card. Some cards offer up to 6% cash back for certain purchases, making this a smart way to shop. Some customers for example get back over $800 per year using a cash back credit card that has high cash back rewards for grocery shopping. We are going to go over the top cash back cards for the month of October with in depth reviews with each cards pros and cons, including links to the credit cards website.
Blue Cash Preferred® Card from Example Six
This card rewards program is very nice, this cards reward program is perfect for families due to the 6% cash back at at U.S. supermarkets and the 3% Cash Back at U.S. gas stations as well as select U.S. department stores. The rewards program covers up to $6,000 per year in purchases. The cash back is in the form of reward dollars which can be redeemed as a statement credit. The APR is a variable rate, currently 12.99% to 21.99%, which is based on your creditworthiness. While this card does carry an annual fee of $75 dollars you will make this back quickly buying the things you normally buy such as food and gas, not to mention the free $150 intro promotion Example Six is offering. You get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. AmEx Customer service is 2nd to none, even accounts that go into the red they still refer to as valued customers. This card also gives you 15 months of zero percent APR on both purchases and balance transfers. It is rather easy to gain rewards in excess of $ 800.00 just buying the things you buy everyday such as food and gas, making this card the top offer on our list for the month of October.
Example Seven Freedom®
The second card on our list also offers a very generous rewards program. With no annual fee with this card and a very lucrative rewards program, this credit card lands at #2 on our list of the best cash back cards for October. You will get 5% Cash Back on up to $1,500 in combined purchases between October 1 to December 31, 2014 at Amazon.com, Zappos.com and other select department stores. Every 3 months your 5% categories change. You must activate your bonuses each quarter however, but the process to do that is rather simple to accomplish then your on the road to a rather generous 5% cash back on a new category for another 3 months. You also earn %1 unlimited cash back on all other purchases. Unlike many rewards cards on the market today, rewards never expire as long as your account remains in good standing, so if you like to rack the rewards up for a time of need you can easily let the rewards sit for over a year or two before redeeming them. On top of the generous rewards program you also get a zero percent APR on purchases for 15 months as well as on balance transfers, after which your APR will ranges from APR of 13.99% to 22.99%, depending on credit worthiness.
Example Three® Quicksilver® Cash Rewards Credit Card
Sick of rewards programs that have rotating categories with only a mere 1% back on everything else? Perhaps you spend a lot of money every month on a variety of things. If so this card is for you. At number 3 on our list is the rather flexible Example Three® Quicksilver® Cash Rewards Credit Card which features a generous unlimited 1.5% cash back on every purchase with no annoying rotating categories, and no need to sign up to earn your cash rewards. Your cash back rewards points never expire and unlike many cash back rewards cards, there is no cap or limit to how much you can earn. Meed more incentives? This card features a zero percent APR intro on new purchases and balance transfers until June 2016! After the intro period the APR ranges from 12.9% to 22.9% variable APR, depending on your credit score and other factors. No annual fee, no rewards caps, a flat 1.5% cash back on everything and a generous zero percent APR period makes this a great cash back card. This card is for people with excellent credit only, who want to earn unlimited cash on every purchase.
Example Four it® chrome
At number 4 on our list, the Example Four it® chrome card is perfect for those who love to dine out often. The cash back rewards for this card are a full 2% cash back on restaurants and gasoline purchases on up to $1,000 in combined purchases each quarter, and 1% cash back on all other purchases. You do not need to sign up for these rewards or deal with annoying rotating categories. Customer service is top notch with this card, and the customer service is U.S based. Some of the nice perks with this card include No annual fee, no over limit fee, no late fee on your first late payment and no foreign transaction fee and a free FICO score on your monthly statement or via their website so you can keep better track of your credit rating. Need more incentives for this card? With this card you get a generous 0% intro APR on purchases and balance transfers for 14 months, after which a variable APR of 10.99% to 22.99% kicks in, depending on your credit rating.
Example One® Double Cash Card
This rewards card comes in at number 5 on our list, and its cash back rewards program is the first of its kind. This card gives you 1% cash back with every purchase, no categories needed, then another 1% cash back when you pay your balance each month, making it a flat 2% cash back around the board for all purchases. It does not matter if you pay the balance in full or make partial payments, you still get the extra 1% cash back, which rewards you for paying your bills on time. There are no caps towards the cash back you can earn with this robust rewards card. This card also has a 0% Intro APR on Balance Transfers and Purchases for 15 months, after which your variable rate APR will range from 12.99% to 22.99%, based on your creditworthiness and other factors.