7 Tips For Maximizing Cash Back Credit Cards in 2018

Most consumers love cash back credit cards. These reward credit cards, if used correctly can help you accumulate hundreds or potentially thousands of dollars in cash every year. We identified seven easy ways to use a cash back credit card this year to help you maximize the amount of cash back you can accumulate. With companies such as #Discover offering a cash back match card for 2018, its a great time take advantage of cash back credit card offers!

7 Tips For Maximizing Cash Back Credit Cards in 2018

How Often Can You Use Your Cash Back Bonus with Discover

You can receive cash back rewards every time you use your Discover it Cash Credit Card to make a purchase. You can earn cash back no matter if you use the card to pay for online purchases or shop at the local stores. You are not required to cover any annual fee cost.

The biggest cash back rewards is obtained by spending money in the rotating bonus categories. It allows you to earn a 5% cash back on selected categories up to $1,500 in every quarter. Every quarter, they will change the categories. There will be 1 – 2 categories in every quarter. Some of the categories that they have featured in the past are grocery stores, restaurants, Amazon.com and gas pumps.

You can visit the Discover site to see the full list of rotating categories for each quarter. For this year, the rotating bonus categories from January – March are gas stations and wholesale clubs. If you spend money outside the rotating categories, you can receive unlimited 1% flat rate cash back. Discover it card has a cash back match program that allows you to earn double cash back at the end of the 1 year card membership.

To receive this cashback, you must pay off your balance in full every month. You should download the Discover Cashback Bonus mobile app to track your accumulated cash back if you regularly use the card. There is no expiry date for the cashback rewards and you can redeem it whenever you want. However, if you do not use your rewards in 18 months, they will credit the cash back into your account.

You can browse the options for redeeming the rewards at the account center. Discover card offers several redemption options including $5 gift card, direct deposit in your bank or cover the full or partial expenses in your Amazon shopping. There are many big brands gift cards to choose from including Lowe’s, and Bed, Bath & Beyond. When you redeem your cash back as e-certificates, you will receive a bonus $5 value for your rewards. E-certificate is the same as gift card but it can only be used at online stores.

Another way to save money is to shop through the Discover Deals. To browse the Discover Deals, you must log into your Discover account first. You can also use coupons to save money apart from the initial discount that you receive from paying the purchase with your Discover card. Some of the retailers featured in Discover Deals are Walmart, Macy’s, Papa John’s and Budget.

Discover it Cash Back Card offers many security features. It will send you a notification when they detect that your social security number on a risky website. If you just lost your card, you can login into your account and freeze your account so that no one can use the card to make any purchase. It also feature $0 fraud liability to protect you from unauthorized purchases.

We help consumers find the top credit card offers for 2018, our mission is to find and compare the best cash back, rewards, travel and zero percent deals this year. Bookmark our website, best credit cards 2018 and stay tuned for more credit card promotional updates this year!

Which Credit Card Company Won the Most Consumer Awards Last Year

Which Credit Card Company Won the Most Consumer Awards Last Year

American Express gets the highest score in terms of customer satisfaction in 2017 according to J.D. Power annual study. Amex receives a score of 835 followed by Discover with a score of 827 and Capital One that scores 808 for overall customer satisfaction rankings.

They outpace the credit card industry with 33 points, according to the announcement of J.D. Power. The credit card company is well received because it always seek to improve their interaction with the customer and strengthen their relationships.

American Express has consistently received high quality reviews and praise from the cardholders. It is a proof that they are offering high quality products that give cardholder the best experience. They have been earning the position as the top ranking card with the best overall customer satisfaction for 9 years.

The last time they received the highest rating is from 2007 – 2013. In 2014, they shared the same high score with another credit card company. J.D. Power takes into account 6 categories when selecting a card with the best overall customer satisfaction including credit card terms, billing and payment.

American Express adds a few benefits in the Platinum card including $200 worth of Uber rides and up to 5x of membership rewards points. There is an additional 1 million US merchant accepting Amex card so you now have more places to shop with the card.

They have installed a smart voice response system in their customer support telephone line. The smart voice knows all the activities of the customers and can quickly transfer the customer to the right professional.

They recently launched a new mobile messaging feature that can quickly connect customers with a representative in the right department. Customers can also get answers from commonly asked questions by using the online chat.

There are representative available for chat at the online chat system for 24/7. You can access the chat feature by clicking on the help button in your Amex account. After you click the start live chat button, a representative will connect to you within a few seconds.

Amex announced their plans on opening new lounges in Philadelphia and Hong Kong. It is now easier to find a lounge for your trip by simply performing a search in the American Express Global Lounge Collection.

Besides, customers can now checkout fast in participating online retailers like Hulu, and Delta Air lines via the Amex Express Checkout. With the Amex Express checkout, customers can autofill the card details by just entering the login information to their Amex account.

They have also redesigned the member page so that members can now easily see the latest updates on how much points they have earned and point redemption in a single place. The member page also provide tips that teach you how to earn more points.

Our mission is to help consumers find the top credit card offers in 2018, from leading credit card providers such as American Express, Discover and Barclay. If there is a topic you would like us to cover, please visit our contact page!

Top 5 Travel Credit Cards 2018

Travel credit cards help you to earn miles that can be exchanged for future trips, free hotel upgrades and amazing perks. If you frequently travel, you should get a travel credit card as it can help you to save some money in your trip expenses. The following are the top 5 travel credit cards in 2018.

1. Capital One Venture Rewards Card
Capital One Venture Rewards Card allows you to earn 2x miles on per dollar spent without any cap on the spending limit. After spending $3,000 in 3 months, you will be rewarded with 50,000 bonus miles. The 50,000 bonus miles are equivalent to $500. The annual fee is waived in the first year and $95 is charged in the following year. It offers features such as 24/7 concierge, extended warranty, auto rental and emergency card replacement.

2. Chase Sapphire Preferred
Chase Sapphire Preferred gives you the opportunity to earn 50,000 bonus points when you meet the minimum spending requirement of $4,000 in 3 months after account opening. With the 50,000 bonus points, you can redeem a travel voucher worth $625 via the Chase Ultimate Rewards program. The value of the point redemption increases by 25% when it is used for redeeming travel related expenses. In addition, you also earn 2x points on travel expenses like airfare and hotel as well as in restaurant category.

3. Barclay Arrival Plus World Elite MasterCard
Barclay Arrival Plus World Elite MasterCard allows you to earn 40,000 bonus miles when you reach $3,000 minimum spending requirement in 90 days after account opening. The 40,000 bonus miles are worth $400 of travel statement when you redeem it. The card features 2x miles per dollar spent on all purchases. The accumulated miles can be redeemed for cash back, and travel statement credit. In your next redemption, you can earn an additional 5% miles back. There is a 12 months zero APR intro promo for balance transfer if you transfer the balance within 45 days. It offers features such as no foreign transaction fee, fraud liability protection, free online FICO score access, 24/7 concierge and travel and trip cancellation insurance.

4. Bank of America Travel Rewards Card
Bank of America Travel Rewards card allows you to earn unlimited 1.5x points for per dollar spent on whatever you spend on. It features a 12 months zero percentage intro promo on purchases. You can earn 20,000 bonus points when you spend at least $1,000 within 90 days after account opening. The 20,000 bonus points can be redeemed for a $200 statement credit. It has no annual fee and foreign transaction fee.

5. Chase Ink Business Preferred Card
Chase Ink Business Preferred Card allows you to earn 80,000 bonus points when you have spent $5,000 within a period of 3 months. The 80,000 bonus points are equivalent to $1,000 worth of travel rewards. You have the opportunity to earn 3x points on selected business categories such as social media advertising, cable, and internet for up to $150,000 every year. The point’s value is 25% higher when redeeming for travel rewards.