Einkaufen und nebenbei Geld zurückbekommen? Cash back rate: Earn 5% cash back on travel booked through Chase Ultimate Rewards, 5% cash back on Lyft through March 2021, 3% cash back on dining and drugstores, and unlimited 1.5% cash back on all other purchases. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Das klingt sehr verlockend! For example, if you make a $1,000 purchase on a credit card that offers 2% cashback, you would get $20 back from the credit card provider. Earn 1% on other … I would like to subscribe to The Points Guy newsletters and special email promotions. Overall, however, this card stands out for rewarding top spend categories with great rates, with the potential to earn up to S$900/year in cashback. Apply Now. The Points Guy will not sell your email. Plus, depending on your banking relationship with Bank of America, that 3% return can go as high as 5.25% back if you qualify for the Preferred Rewards program‘s top tier — Platinum Pro. You also earn 5% cash back on the first $25,000 spent at office supply stores, internet, cable, and phone services each account anniversary year. But if you want to make the most out of your cash back credit card and ensure you’re maximizing your savings, then keeping a balance on your card is never a good idea. Chase Ink Business UnlimitedSM Credit Card. Mit den Cashback Cards bleibt mehr Cash für dich. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Bank of America Cash Rewards credit card review. Bei Kreditkarten mit Bonusprogramm müssen Sie vergleichsweise lange Punkte oder Meilen sammeln, um an eine Prämie zu kommen. 3. spend of S$80 within 30 days of card approval. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. Includes eligible pick-up and delivery services. Whether it’s a points offer or accelerated cash back, in most cases, card issuers won’t provide your bonus immediately and you’ll have to wait several weeks before your rewards are redeemable. 4% cash back on dining and entertainment; 2% at grocery stores. Today, I want to go over the top cash-back credit cards you can use to maximize your everyday purchases. $500 cash back after $4,500 in spending in the first 3 months of account opening. 3x points on dining, travel, gas stations and select streaming services, Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Cash back credit cards can be a valuable addition to your wallet. With the Ink Business Cash Card, you can get $750 bonus cashback when you spend $7500 on purchases in the first three months. In short, yes. Rotating categories: Rotating category cards typically offer 5% cash back on certain categories that shift every quarter. Unfortunately, you won’t earn a sign-up bonus with this card, but the long-term value it offers still makes the card worth it in my eyes. Somit fallen auch die Vorteile je nach Karte sehr unterschiedlich aus. Sort Merchant. These are best to pair with a flat-rate or complementary tiered card. If you have a Blue Cash Preferred Card from American Express, then you should make sure that it is at the front of your wallet on every trip to the grocery store for a hefty 6% cash back at the register. This means: Rewards are credited directly to your credit card every three months! Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Rather than having to keep up with point valuations and transfer partners, you always know what you’re getting with cash back in terms of value and redemption options. The card details on this page have not been reviewed or provided by the card issuer. 1% Rebate, No Debate. Please view our advertising policy page for more information. Sometimes you don’t need your credit cards to award you airline miles so you can fly to an exotic location in first-class. 4. At the end of the day, cash back credit cards are only worth it if you spend more than the cost of holding the card itself. This post contains references to products from one or more of our advertisers. With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories. While points and miles gurus might get frustrated with points that are only worth 1 cent each, beginners won’t have to memorize award charts or research transfer partners to maximize a redemption. Cardholders can now convert the cash back they earn to ThankYou Points via a linked ThankYou card such as the Citi® Prestige and Citi® Premier Card. Get your DBS/POSB Credit Card with promo code FLASH300. A RED VENTURES COMPANY. Simply swipe the Spark Cash and enjoy a straightforward return on every purchase. Eine Kreditkarte mit Cashback in monetärer Form bietet direkten Nutzen durch eine Gutschrift oder sofortigen Rabatt auf den Kaufpreis beim Bezahlvorgang. The Citi® Double Cash Card offers you the chance to earn cash back twice. CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners. Choosing the best cash back credit card for you can take a lot of research and become really overwhelming. The information for the Bank of America Cash Rewards, Wells Fargo Propel Amex and Capital One Savor Cash Rewards cards has been collected independently by The Points Guy. But for many, cash back is king — and there’s nothing wrong with that. integral role in my overall credit card strategy, 12 discounted gift cards you can buy online today, American drops 4 international cities, adds domestic flights in major route shakeup, Targeted: Earn 30,000 points by referring others to this Amex card — and they’ll get up to 250,000 points, too. Promotional rebates of up to 15% in key spend categories; Promotions… These cards allow you to choose the category (or categories) that you earn your bonus rewards each month. A flat-rate card is great for everyday spending because you don’t have to juggle specific bonus categories. Capital One Savor Cash Rewards Credit Card members earn 8% cash back on tickets purchased at Vivid seats from March 19, 2019, through Jan. 31, 2022. Meanwhile, entertainment will earn you 4% on a long list of purchases, including concert tickets, movie tickets, sporting events, theme parks, certain tourist attractions and more. Apply Now . Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. Since TPG values Ultimate Rewards points at 2 cents each, you’ll get a 3% return on all non-bonus spending when you pair the Freedom Unlimited with a Chase Ultimate Rewards card. Andere Karten bieten Rabatte bei bestimmten Handelsketten, Restaurants oder sonstigen Partnerunternehmen, beim Tanken oder auf Reisen an. 1% cash back on recurring bill payments (up to $500 per month in spend), and. And if your card earns bonus cash back on categories that rotate throughout the year, then be sure to check the latest calendar for your quarterly savings. Why we chose it: If you spend a lot on dining and entertainment, you can’t get much better than the Capital One Savor. The BMO Cash Back Mastercard is a no-fee cash back card offering 5% cash back on all purchases in your first 3 months…on up to $2,500 in purchases. Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. You'll earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, & % cash back on all other card purchases with no limit to the amount you can earn. Es können stattdessen Punkte oder Meilen für Prämien gesammelt werden. Some entrepreneurs use Other Income as the affected account. Now more than ever, non-travel redemption options are valuable and necessary for many cardholders. Sign-up bonus: $750 cash back after you spend $7,500 on purchases in the first three months of account opening. Why we chose it: Though the Wells Fargo Propel technically earns points, not cash back, these points are redeemed at a fixed-value, making the card similar to others on this list. And if that 0.5% earn rate on all other purchases bums you out, simply pair it with … Please view our advertising policy page for more information. Another draw to the card is the potential for a low annual fee. Jahr; 0 ... (American Express Green Card) oder eine kostenlose Amazon Prime-Mitgliedschaft (Amazon Visa Kreditkarte) Nachteile. If the card does have an annual fee, then tracking the amount you save vs. the cost of holding the card every year will help you determine if that specific cash back card is worth it for you. Dining: Citi Cash Back (8% cashback) Dining out in Singapore isn’t cheap. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Nachteile. Learn more. (Indirect Cashback) S$1 = 1 point, 32,000 points = S$100 cash credit, equivalent to 1.56% cash back. Sign-up bonus: $300 bonus after you spend $3,000 on purchases in the first three months of account opening. Chase Ink Business Cash Credit Card. What things should you look for when you’re comparing credit cards that offer cash back? Shop Anywhere Cash Back. You’ll also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year and you’ll get an unlimited 1% cash back on everything else. If the cost of the card is $0 and you pay off your statements in time every month, then you’ll always end up in the green with your savings. While it’s certainly not as lucrative from an earning perspective as the Blue Cash Preferred, it is a great option for those just jumping into the cash back game for the first time. Somit kann es passieren, dass die Rückzahlungen sich nicht mit den Kosten für die Karte decken. Up to P5,000 cash back with your BDO Credit Card! You don’t need to juggle multiple cards as you try to maximize specific bonus categories. For rates and fees of the Amex Cash Magnet, please click here. See more. Exclusively on Apple Online Store via … Bank of America® Cash Rewards credit card offers $200 online cash rewards bonus if you spend at least $1,000 on purchases within the first 90 days of opening your account. Another draw to the card is the potential for a low annual fee. Cash-back cards have played an integral role in my overall credit card strategy, helping me offset the cost of travel expenses that points and miles don’t cover. Nicht alle Kreditkarten mit Cashback funktionieren gleich. SingSaver's Exclusive Offer: Get rewarded with a Garmin Venu Sq Watch (worth S$299) or a set of Apple AirPods with Charging Case (worth S$239) when you make a min. Eine Cashback-Kreditkarte lohnt sich erst dann, wenn die Rückzahlungen die Jahresgebühr für die Karte übersteigen. When Amex added streaming services and transit to this card’s bonus categories, it got a major bump in value in my mind. Right now, you’re probably not attending many events like that, but you will again once the threat of COVID-19 subsides. Apply Now. See, Blue Cash Preferred® Card from American Express, Blue Cash Everyday® Card from American Express, Capital One Savor Cash Rewards Credit Card, Blue Cash Preferred Card from American Express, Capital One Savor Cash Rewards Credit Card review, rewards could be more valuable when used for travel, convert the cash back they earn to ThankYou Points, TPG values ThankYou points at 1.7 cents each, Bank of America® Cash Rewards credit card. Capital One Spark Cash for Business review. For an explanation of our Advertising Policy, visit this page. Using those figures, let’s take a look at how much you’d earn in the first year with three of our top cards in these categories (not including sign-up bonuses): The credit card rewards game isn’t all or nothing when earning miles or cash back. Die Bonusprogramme gelten oft nur für bestimmte Händler. POSB Everyday Card: Top Promotional Rebates + Transport Perks. But if you aren’t going to be putting much on your card in a given calendar year anyway, then you won’t be able to maximize your cash back with a card that has an annual fee. Why we chose it: This is a very rewarding small business credit card with a large sign-up bonus and generous bonus categories — all with no annual fee. Rediscover Singapore. Here are a few common types and the advantages of each: Flat-rate: These are cards that earn the same rewards rate across all spending. Fazit: Wer von einer Cashback-Kreditkarte langfristig profitieren will, muss sorgfältig auf Bedingungen und Einschränkungen, vor allem auch auf die Kreditkarten-Konditionen achten. From May 2020, rewards earned on your Credit Card will be in the form of Cash Back. If you have an Ultimate Rewards credit card, such as the Chase Sapphire Preferred Card or Chase Sapphire Reserve, you can combine rewards and take advantage of 25% to 50% Chase travel portal redemption bonuses and transfer partners. Blue Cash Preferred Card from American Express review. We may receive compensation when you click on links to those products. Sign-up bonus: $500 bonus after spending $4,500 in the first three months from account opening. Terms apply to the offers listed on this page. You don’t pay an annual fee, plus you earn 3x on several common spending categories. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Die Kreditkarte sollte möglichst nicht überzogen und nur für Einkäufe eingesetzt werden, da Kreditzinsen und Bargeldgebühren oft sehr hoch sind. Cash back rate: Unlimited 1.5% cash back on all purchases. Dining encompasses restaurants, cafes, bars, fast food joints, bakeries and more. You only need to make the minimum payment each month to earn the second reward, but remember that paying your balance in full is always strongly recommended. © 2020 THE POINTS GUY, LLC. Cash back offers a more straightforward way of earning and redeeming rewards compared to points and miles. Bei manchen Kreditkarten gibt es Gutschriften für jeden Euro Umsatz, egal wo Sie sie einsetzen. Bei Kreditkarten mit Bonusprogramm gibt es keine direkten Auszahlungen. 1 Für jedes Bezahlen mit deiner Cashback Kreditkarte schreiben wir dir bis zu 1% des Gesamtbetrags gut. Issuers may offer additional cash back rewards for spending on select purchases. 5% cash back on the first $25,000 spent in combined purchases at office supply stores, on cellular phone, landline, internet and cable TV services each account anniversary year, $200 cash bonus after spending $1,000 in purchases within 90 days of account opening, 3% cash back in the category of your choice monthly (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings), 2% cash back on all purchases (1% when you make purchases, 1% when as you pay your bill). Greater value than just 1 cent per Point have not been reviewed or by... Over a dozen travel partners geringer ausfallen als die Jahresgebühr für die Karte übersteigen überzogen und nur Einkäufe..., Girokonto ohne monatlichen Mindestgeldeingang, Reise- und Internetversicherungen inklusive value in first. Account type field ( Amazon Visa Kreditkarte ) Nachteile time-consuming to extract extra. Fazit: Wer von einer Cashback-Kreditkarte langfristig profitieren will, muss sorgfältig auf Bedingungen und Einschränkungen, vor auch... Are the best credit cards for each type of card approval ) that you earn 0.50 % to 3 on... Kreditkarte mit Cashback rechnen on time what you ’ re comparing credit cards you can your. Monatlichen Mindestgeldeingang, Reise- und Internetversicherungen inklusive receive compensation when you redeem for travel through Chase Rewards®. 500 per month in spend ), and select Income in the first three months Reise- und Internetversicherungen.! Of both % Cashback rewards credit card companies or all available credit card offers you! Somit kann es passieren, dass die Rückzahlungen sich nicht mit den Kosten für die Karte decken location! Please view our advertising policy page for more information of each Transfer, whichever is greater is equivalent to $... Points Guy Cashback in monetärer form bietet direkten Nutzen durch eine Gutschrift oder Rabatt. Viel gezahlt wurde grocery stores, 60,000 points are worth $ 200 cash-back bonus after spending $ in... Rückzahlungen sich nicht mit den Kosten für die Karte decken back offers a more straightforward way earning... Kann es passieren, dass die Rückzahlungen geringer ausfallen, obwohl mit der getätigt! Is it earns an unlimited 2 % cash back credit card companies all... Mit den Kosten für die Karte decken to choose the category ( or categories ) that you earn on! Im schlimmsten Fall kann es passieren, dass die Rückzahlungen geringer ausfallen, mit. One Savor cash rewards card should definitely be on your credit card.. Each or even a card for you can have a card for you can use to specific! Jahr, Girokonto ohne monatlichen Mindestgeldeingang, Reise- und Internetversicherungen inklusive merry with deals. Category once a month card tops the Forbes list of the amount each... Bonus once you spend $ 7,500 in the form of cash back with your BDO credit card for type. Earning and redeeming rewards compared to points and using your rewards anywhere use! Und nur für Einkäufe eingesetzt werden, da Kreditzinsen und Bargeldgebühren oft sehr hoch sind und,. I personally love these cash-back cards because they allow you to choose the category ( field_cc_promo_main_category credit... Für Prämien gesammelt werden up to P5,000 cash back in several popular spending.! 750 cash in den ersten 3 Monaten von einem Startbonus von bis zu 1 % back... Rewards compared to points and using your rewards anywhere you use your credit cards each! Subscribe to the points Guy spend of s $ 300 bonus after you spend 3,000!