Best Cash Back Credit Cards of 2015

best cashback credit cards

When it comes to spending seasons, no quarter will eclipse the October to December period. With many of the best cash back credit cards offering generous rewards on seasonal spending, Fall 2014 is your opportunity to pocket some extra money.

If you’re not enticed by the idea of earning generous cash back amounts in exchange for limited categories, don’t worry. At Saveful, we’ve identified reward credit cards that come with generous bonus points and flat rate rewards that you can use with all of your spending habits. If you like to prepare in advance for the Holiday Season, now’s your chance to find the perfect cash back card. *Note: We don’t make affiliate money from any credit card companies. These offers may change, so please read terms credit card terms before applying.

Capital One Quicksilver Cash Rewards Credit Card

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on Capital One’s
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Current offer: A handy $100 reward when you spend $500 within the first three months, plus a flat rate of 1.5% cash back on all your purchases.

Why it’s a great offer: When fall comes around, even the smallest of spenders face the shopping reality that is the Holiday Season. With a smooth $100 reward when you spend $500 in the first three months – an easy target at this time of year – you have a little extra cash to play with. The chances are, this is going to be your most sporadic spending period. Being able to apply a 1.5% cash back offer to all your transactions is very profitable indeed. You can then redeem your cash back bonus in the form of travel points or vouchers. As one of the few minimal fuss cash back cards available, the points threshold is low as far as vouchers are concerned – you need just 1,000 points to get a $10 voucher.

Discover It

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on Discover’s
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Current offer: 5% cash back on categories that change every quarter, with a $1,500 limit. You earn a further 1% on all other purchases, plus 14 months of 0% interest on balance transfers and purchases.

Why it’s a great offer: Fall 2014 will see you earn 5% cash back on online and department store spending. This makes it broad enough to match all of your Holiday Season spending needs, plus there’s that 1% for all your other purchases. If you’re going to spend money abroad, you won’t face any painful foreign transaction fees. Even better still, the 0% interest on balance transfers lasts long enough for you to avoid fees on your existing credit cards. Discover it’s reward points are available in the form of gift cards, statement credits, or cold hard cash. If you’re clever, you can save up those points for when the 14-month 0% interest period ends and combat any fees you may face.

Chase Freedom

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on Chase’s
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Current offer: There’s no annual fee and you’ll benefit from a 0% interest on balance transfers and purchases for the first 15 months. Spend $500 within the first three months and you’ll receive a $100 cash bonus. There’s 5% cash back available on selected categories, with a limit of $1,500 per quarter.

Why it’s a great offer: This is another one of those cash back reward credit cards you can use to your advantage during the holiday season. From October to December you’ll earn 5% cash back at Department Stores including, Macy’s, Kohl’s and other eligible stores. Think of it as a 5% coupon on everything you buy at these stores, which gives you extra spending cash for Christmas. You also get 1% unlimited cash back on all your other purchases which is sure to be useful year round.

Citi ThankYou Premier

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on Citi’s
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Current offer: A generous 50,000 point bonus if you meet the spending requirements, which can be redeemed for $500 in gift cards or up to $625 in airfare. Ongoing rewards include 3 points for every $1 you spend on dining out and entertainment, 2 points for every $1 you spend on hotels or airfare, and 1 point for every $1 spent elsewhere. Plus, there’s no foreign transaction fees and the annual fee of $125 is waived for the first year.

Why it’s a great offer: The 50,000 point signup bonus is broken up into two segments. The first 20,000 points come when you spend $2,000 in the first three months and the remaining 30,000 arrive after you spend another $3,000 in the first 3 months of your second year of having the card. Compared to other cash back cards, this is very generous. If you’re the type who likes to travel, there are plenty of chances to maximize the top cash back reward tiers. Eat out and you’ll get 3 points for every $1 you spend. Each point is equal to 1 cent, but if you use them to book travel through Citi’s ThankYou portal you earn a 25% boost. So, those 50,000 points alone will get you up to $625 of airfare, which is enough for a well-earned vacation.