Category Archives: Cash Back Cards

Penfed Visa: 5% Rebate on Computers, Software, Electronics, Office Supplies and Books

Cash Back Cards, Pentagon Federal

POTENTIALLY VERY HOT: From August 1 until September 30, 2009, you’ll earn 5% cash back on eligible back to school purchases with your PenFed VISA Platinum Cash Rewards credit card. Eligible purchases include computers, computer peripherals, software, consumer electronics, office supplies and books.

I could not find mention of a cap on rebates for this promotion, which would make it very hot when you actually take a look at the list of retailers which are eligible. Every major electronics store, computer manufacturer and book store is listed, including Apple, Dell, HP, Amazon.com, Best Buy, among a host of others. More info and the list of eligible merchant category codes can be found here.

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Significant Discover Card Changes Coming

Cash Back Cards, Discover

Some sweeping changes are coming to your Discover Card, and unfortunately, most of them are not good. Effective for billing periods after May 1, 2009, a number of changes to its cash back program will be made:

  • Cash back redemptions, which either are transferred to a bank account or issued as statement credits, will now only start at $50, and must be made in multiples of $50.
  • In addition, gift card redemptions will still start at $20 but no longer need to be in multiples of $20.
  • Transactions conducted in a foreign currency will begin being charged a 2% fee.
  • Perhaps most importantly, the first $3000 of annual spend only earns 0.25% cash back. Spending above $3000 continues to earn 1%.

Additionally, there are some changes to the terms for those who do not pay in full. Thanks to reader Robert for alerting us to these changes.

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Fidelity Sweetens Its Credit Card Offers

Cash Back Cards, FIA

As it had previously promised to do, Fidelity recently unveiled a number of improvements to its credit card offerings. The Fidelity Investment Rewards American Express and the Fidelity Investments 529 College Rewards American Express now join the Fidelity Retirement Rewards American Express in earning a 2% rebate on all purchases. As before, purchases earn points. These points can then be redeemed and converted to cash that is deposited into a Fidelity account.

In addition, the Fidelity Investment Rewards Visa Signature Card has now become a tiered card. The first $15,000 of your annual spend earns a 1.5% rebate, while all spending above $15,000 earns a 2% rebate.

The rest of the features appear to remain the same. You can find full details for the Amex cards here and the Visa card here.

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Redstone FCU Credit Card: Up to 2% Cash Back

Cash Back Cards

Redstone Federal Credit Union has an intriguing cash back credit card offer. Its VISA Gold, Visa Platinum, and Gold MasterCard earn a 1% cash back reward on the first $5,000 in annual purchases and 2% cash back on all purchases above $5,000. There is no mention of a cap on rewards. This means that if you charge more than $10,000 in a year, you’ll come out ahead of a 1.5% cash back card.
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Associated Bank Cash Rebate Card: 5% Rebate at Supermarkets, Drugstores and Gas Stations with No Tiers

Cash Back Cards, Citibank

The Associated Bank Cash Rebate Card has been around for quite a while, but has not received the publicity it deserves. I thought it was worth highlighting this card again, as it is one of the best cash back credit cards currently on the market (particularly since the number of attractive new offers has been dwindling).

Its rebate structure is quite simple: a 5% cash rebate at supermarkets, drugstores and gas stations, and a 1% cash rebate everywhere else. There are no tiers, which means you’ll earn 5% on those “everyday purchases” from the first dollar. In addition, there are no special membership requirements and no annual fees. You can request your rebate in the form of a check once you’ve earned at least $50. It should also be mentioned that there is a limit of $300 in cash back that you can earn in a year.
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Chase Business Rebate Card: 0% BT for 15 Months, 7.99% Fixed Afterwards

Balance Transfer Offers, Business Cards, Cash Back Cards, Chase

For a limited time, Chase is offering an intro 0% on balance transfers for 15 months on its Business Rebate Card with a balance transfer fee of 3% (min of $5 and max of $99). After that, your interest rate goes to a low 7.99% fixed on both purchases and balance transfers.

There is no annual fee, plus the card earns cash back rewards: a 3% rebate at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores; 1% everywhere else.

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Chase Freedom Card: Earn 3% in Top 5 Categories with Chase Checking

Cash Back Cards, Chase

As of their June statement, Chase Freedom credit card holders will automatically earn 3% in their top 5 everyday spending categories each month if they also have a Chase Checking account. Freedom cardholders without a checking relationship will continue to earn a bonus in their top 3 everyday categories. In either case, the max amount of spending eligible for the bonus is still capped at $600 per month. (Via SD).

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