- No Activation or Direct Deposit Fees
- No Monthly Fee w/ Pay as you go plan
- Cashpass Mobile App w/ Check Cashing
- Bill Pay, Text and Email Alerts
Cash back credit cards can be a great way to earn rewards for the things you buy every day. The typical cash back rate is 1%, although some cash back credit cards offer a higher percentage for certain purchases like groceries and gas. Keep in mind that these cards generally require a good to excellent credit rating for approval and often come with a higher interest rate. If you carry a balance month-to-month, you'll probably end up paying many times over in interest what you get in cash back.
The BankAmericard® Secured Credit Card lives up to its name. Not only does it help cardholders establish and restore their credit, but it also provides added security for shopping and banking online.A minimum deposit of $300 is required to open this account. The maximum credit line, $4900, is determined by your income, the amount of the security deposit, and your ability to pay. After 12 months, you may get your security deposit back if your account is reviewed.
["Earn 1 point for every net $1 you spend, plus get a 25% BONUS (that's equivalent to 1.25 points) on all points earned every month, automatically 1","$25 cash back after your first purchase Yes Click "learn more" for annual fee details. Introductory APR for purchases and balance transfers Click "learn more" for APR details."]
Credit cards with no annual fee offer the flexibility of credit without the cost of a yearly fee.No annual fee credit cards help reduce your cost of credit while offering you a variety of features such as rewards, cash back on every purchase or lower interest rates. Use our comparison tool to help you decide which Bank of America® credit card offering no annual fee is right for you.
Cash back credit cards do not provide points and other credit card rewards, but instead, calculate the total value of monthly expenses and then return some of them in cash.
Many cash back credit cards offer a unique sign-up bonus. This is very valuable for people who want to buy big-ticket items.
Some credit cards have limitations about how you can get rewards points and redeem the points you earn. But cash back credit cards are more flexible.
Most cash back credit cards require a minimum of very good credits. So cash back credit cards are suitable for people with high credit scores. Don’t feel discouraged if you don’t get approved a cash back credit card, you can try to apply for a rewards credit card instead.
You can apply for a store credit card online, in banks or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.
This will give you an idea of how you can earn rewards, when rewards will post and other information.
Focus your spending
Because cash back credit cards with few limitations such as no cash back limit usually have a lower cash back rate. Therefore, concentrate your spending on a single card, instead of spacing your shopping across multiple cards, will help you to increase the cash back rate and get more cash back.
Don’t miss out your sign-up bonus
Remember when your sign-up bonus will expire and make sure you can meet the minimum spending requirement to qualify for the bonus, otherwise you maybe miss a few hundreds of dollars.
Plan and budget
Cash back credit cards return cardholders cash as rewards, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.
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