We are excited to welcome U.S. Bank credit cards to our reviews. This bank offers a grocery shopping rebate card and a cash back card. Are you a Mom Blogger? Then consider a business credit card. If you like coupons and free stuff then why not get cash back on your blogging expenses?

A reward credit card used to be a rarity. Only members with the highest credit limits or those who had their cards for long periods of time could expect to receive anything from the credit card companies. Often, rewards would come in the form of gift cards or something a bit more tangible, like luggage. These days, the majority of companies have several different reward cards that people can apply for. In cases such as the Discover Card, the reward is actually money which can be statement credits or even cash in the form of a check. A person receives a percentage of his expenditures, so each time he uses the card he is increasing the size of the payment he will get back. Other reward cards offer people discounts at certain hotels, restaurants, and gas stations. You now have a more immediate reward or bonus on the latest lure from credit card companies including $50 sign-up bonuses up to $400.

With so many different types of rewards, people need to seriously look at their spending habits before they choose a reward card. A person who doesn’t own a car is not going to benefit from a program that rewards spending on gasoline. Likewise, someone who rarely travels will not reap many rewards from a frequent-flyer miles card. Of course for the rest of us, who travel as frequently as possible, these cards hold exceptional incentives.

Looking to transfer a balance to another card? Balance Transfer Credit Cards have become big over the last several years because not only do they keep you away from higher interest on your current credit cards but they earn you some rewards. With Balance Transfer credit cards there are many fees such as a 3% balance transfer fee charged by most banks that has recently increased to 5%. We have an updated list that includes no balance transfer fee cards.

I’ll take a rebate please. Rewards Credit Cards come in many shapes and colors just like the spring fashion. The banks and credit card companies are competing more than ever to give you the reward you desire. Most banks now offer a rewards card but there are only certain offers we will list on this website because we want to make sure they truly pay you the highest amount in rewards possible. The credit card companies are making at least a 3% kickback on all sales in retail stores so why can’t you make back some money from it.

Which Rebate Cards Should I Choose? A guide to help in the decision process of deciding on what rewards card works best for you. A rewards card offer is not always black and white now with social networking you can get rewards from cards such as American Express just for Tweeting.

Save real money at the Gas Station? Frugal shopper or not; surveys show that most people need help saving money at the pump because that seems more of a tax on our everyday purchases. Credit Card companies offer great ways to save at gas stations and grocery stores including cards that give you rebates from Chase Bank, Discover Card, and some credit unions
Gas offers include a small two percent rebate promotional ones that give you six-percent rebates on all purchases at any gas station for 90 days. You can compare this to other popular fuel cards like the BP Visa, Shell Card and the Exxon MasterCard where you only get the small rebates back towards fill-up purchases and not towards the entire credit card bill. People looking to find cheaper fuel need to look not just at the gas stations but at ways to earn back some of the money spent with cards like our favorite gas card where you can earn up to 10% back on your gas purchases.

Benefits of Travel Reward Cards. Most major airlines have had some form of frequent flier program in place for years. However, gaining miles was dependent on flying, so most people could not actually benefit from a membership. In order to get more people involved, and ultimately to get more people flying, airlines have teamed up with credit card companies to develop a variety of travel reward cards. People are usually given a large number (anywhere from 5,000 to 15,000) of bonus miles just for signing on. After that, members receive one mile for every dollar they spend on the card. Some companies will grant double miles when cards are used for purchasing specific items. Many times, people will sign up for a new card simply to gain miles for trips they have been planning.
Airline Frequent Miles Cards and hotel points cards are popular like never before for business users, yuppies, and families that take a lot of vacations. Starwood hotel rewards features ways to transfer miles to their airline partners on a 1:1 ratio and that is a luxury compared to other hotel cards. Starwood is not the most popular hotel rewards credit card only because people are not aware of how valuable it is. With rising costs of hotels and baggage fees among added costs with airlines it’s in your best interest to have one of these cards for bonus points.
Are you still using checks at the grocery store? Say No to ever writing checks and learn how you can make money off your purchases instead with cards that give you 5% cash rebates adding up to hundreds a year. This is savings you would not normally see with a time-consuming checkbook.
Bad Credit and need a charge card? An unsecured credit card is a credit card where you get credit based on your credit history not on what you have debited to your card. Most rewards cards and low interest credit cards with no annual fees are unsecured cards. If you have bad credit we do have a sub-prime credit card company that helps consumers rebuild their credit. There is also other good news for bad credit consumers because you can actually build your credit by holding some secured credit cards if they report to the proper credit agencies. If you have bad credit and are looking to earn reward points may have to pay some upfront fees and possibly higher interest.

Cash Plus 5% Back Quarterly Categories

One of my favorite cards from last year was the U.S. Bank Cash Plus Card which let us pick from two 5% categories each quarter and then an extra 2% back categories on top of that.  The card has changed its terms since I first applied where it does not give you as many great choices to make the most cash back each quarter but it is still useful. With the Cash+ Card you get 5% cash back on your first $2,000 in joint net purchases (purchases minus returns or credits) in your chosen 5% categories. Purchases over $2,000 earn 1% cash back. The 2% cash back is unlimited and all other net purchases earn 1% cash back. February 18 was the first day to sign up for the next quarter 5% and 2% cash back.  Register now to make sure the purchases made in your selected categories are eligible to earn 5% or 2% cash back between April-June 2015. The Cash+ card lets you pick from Gas Stations, Grocery Stores, and Restaurants for the 2% rewards. Pick one of those then go over to the 5% categories of “Select Clothing Stores”, Gyms/Fitness Centers, Fast Food, Furniture Stores, Car Rental, Charity, and Movie Theaters. Notice that they included Restaurants in the 5% back group before but moved it to the 2% because people spend a lot at dine-in places such as Chili’s. They also include Pizza Hut as a 2% Restaurant instead of Fast Food. Not sure how that is possible but OK. If you want this card for the Amazon 5% back included in bookstores that only includes... read more

Free $10 Gift Card to Banana Republic

Banana Republic is offering $10 Shopcard for Free when you Text 89532 the word SUMMER. Offer Valid from 5/20/16 – 5/30/16 in stores. There’s No purchase necessary. Up to 6 VIP messages/month may apply. Basically they want you to join their BRfriends program for free in exchange for the $10 Shopcard where you could get up to 6 VIP messages/month. Once you redeem for your free card you can always hit STOP to quit any further texts which may become annoying if you’re not a frequent shopper of the retailer. BRfriends is a program from Banana Republic offering insider offers, tips, and discounts or freebies with a birthday surprise. They also offer VIP event invitations. It’s also easy to set your preferences once you get your first text message so you can get more customized offers and new styles sent to your phone. If purchasing online make sure to use a cash back site such as Ebates to earn money for each purchase from sites such as Banana Republic and... read more

Alternatives to Uber/Lyft in Austin

Looks like the drivers, riders, and convenience all lose in the latest battleground for Uber and Lyft in Austin, Texas. The City Council has been fighting with Uber and Lyft for years now but this latest battle could mean them pulling out of Austin for good. They proposed a change to regulations regarding ridesharing which was overturned by the public signing petitions on behalf of Uber and Lyft. Because the City Council wouldn’t agree they figured if they had a public vote on ridesharing in Austin with LOW turnout they would win and they did while riders and ridesharing lost. The existing regulations call for fingerprinting of drivers which is an unnecessary thing to do when you already have background checks. The main reason the ridesharing companies dislike it is because it discourages part-time drivers which is the entire model of rideshare. If people do not feel safe in an Uber or Lyft then take a taxi and let the rest of us enjoy the convenience of rideshare. While this battle is going on in Austin we have put together some alternatives to Lyft and Uber: Curb – We highly recommend this app if hailing a taxi. This basically calls a taxi for you but does it without cash being used. GetMe has been a topic in the City Council debate as they are a new rideshare company based out of Dallas who have agreed to the city’s demands. GetMe is a pretty sketchy company as the CEO of GetMe has been kept anonymous and the prices being charged by GetMe also appear to be higher than Taxi companies. Some... read more

Types Of Credit Cards