Your credit card may be something that you have used to shop for things for the longest time. But the real question is if you are you actually benefiting from using it. This is an interesting point to think about because you might actually have better cash back rewards by using a different card. Here are some of the best back card cash credit schemes that you may want to compare with the terms and conditions of your current card.


• American Express Blue Cash – You can earn back up to 5% in cash back from supermarkets, gas stations and drug stations all around the country. You can also get up to 1.5% in other places. APRs are great ay 0% when you make a new purchase on particular items and there are also offers at a fixed 2.99% on balance transfer for the first year that you use this card. The catch is that you will receive the 5% and 1.5% cash backs on new purchases after you have spent at least $6500 in one year. You get less if you spent less.
• Citi Cash Returns – For this card you can get a1.2% cash back on all of your purchases for the first year. Then you can earn 1% in the following years. You can also get 5% additional cash back if you make purchases at certain retailers that can include big brand names like Dell, The Gap, Office Depot, and Saks. You will get the checks mailed to you automatically once you earn $50.
• Discover More – With 5% cash back in four different spending categories up to $800 in purchases per quarter, this is actually a great deal. On other purchases made you can earn 0.25% on up to $1500 in annual spending, 0.5% in up to $3000 in spending and 1% over $3000. 0% APRs are accepted for new purchases in the first 6 months. Additionally, you can get 5 to 10 percent cash back incentives when you make purchases through ShopDiscover that includes big brand retailers like Apple, Sears, and Wine Enthusiast. Get better deals if you redeem points from gift cards from the retailers instead of taking the cash back as well. This will give you double points and better offers. For this card you have to request for the cash back and it will be credited to your statement or deposited into your account.