Credit cards with cash reward programs are a great way to save money on your everyday purchases.

Since the rebates are applied to all of your purchases, you can shop as usual without worrying about buying from specific stores, and you’ll easily get a 1% cash rebate on everything you buy.

Other credit cards offer higher cash rebates if you make purchases at specific types of merchants like gas stations or grocery stores, so you can save even more money on common everyday purchases.

However, many cash reward cards have limiting tiered rebates, so you won’t always earn the full rebate with all of your purchases.

For instance, you might only earn a full 1% rebate after your spending level reaches $3,000 in a year, having to settle for a 0.5% rebate for all of your purchases under $3,000.

In other cases, you may earn 1 point per $1 spent, but only be able to exchange 10,000 points for a $100 rebate at a rate of 1%, while a $50 rebate may take 6,000 points, which reduces your rebate percentage to 0.83%.

Make sure you choose a card with a flat rebate or an even 1% exchange rate, and this will easily be avoided.

It’s also important to get a card with no annual fee, as having to pay an annual fee will cut into your savings.

Many cash reward cards also come with 0% introductory rates on purchases, which you can take advantage of to make larger purchases and increase your savings, but you’ll want to be sure that you pay off any balance before the introductory rate expires and continue to pay your monthly bill in full after they have expired, because any unpaid balance that’s collecting interest will quickly reduce your savings to nothing.

As long as you make your monthly payments in full and simply use your credit card for all of your purchases, you’ll easily save hundreds of dollars a year just by using a cash reward card.

The two credit cards below are perfect for saving money on your everyday purchases.

They both offer straightforward cash back reward programs that help you save money on all of your purchases, plus there are no annual fees.

Chase Freedom^SM Credit Card

Chase Freedom^SM Credit Card offers a 3% cash rebate on your purchases at gas stations, grocery stores and restaurants, and 1% on all other purchases, plus get $250 cash back each time you save up only $200 in rebate rewards, for an additional $50 cash bonus.

• Earn 3% Cash Back for every eligible $1 spent in purchases at:
  • Grocery Stores: Stock up on food, household goods and more
  • Gas Stations: Use your card for fuel, repairs, car washes, and other purchases
  • Quick Service Restaurants: Rewards add up fast from pizza to hamburgers to tacos - even sandwich shops, coffee houses and more
• Earn 1% Cash Back for every $1 spent in purchases everywhere else
• Get a $50 Check once you’ve earned $50 in rewards
• Save up $200 in rewards and redeem for $250 cash back
• Save with 0% APR* for up to 6 months** and No Annual Fee

Chase Freedom gives you the power to choose the rewards you want and the freedom to change your mind. Apply today!

Chase Free Cash Rewards^SM Visa® Card

Chase Free Cash Rewards^SM Visa® Card offers 1 point per $1 on all of your purchases and you get your choice of a $25 cash check or a $25 gift card each time you spend $2,500, plus get 1,000 bonus points after your first purchase.

• 1 point for every eligible dollar in purchases
• 1,000 Bonus Points after your first purchase
• Intro 0% Fixed APR for up to 12 months*
• No Annual Fee
• Get your rewards with as few as 2,500 points
• Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned

Apply Now!

With either of these cash reward credit cards, you’ll save money on your everyday purchases, without having to change any of your shopping habits.

Thanks and enjoy maximizing your money.