The Cashback Credit Card

Those with credit scores in the "good" to "excellent" range (generally 700+) can often benefit from using a cashback credit card. These offer additional value on goods and services that you purchase every day.

If you are considering applying for a Cashback Credit Card, it's a good idea to do some comparison shopping, as the credit card companies offer many different kinds of cashback programs; fees, benefits and interest rates can all vary, sometimes a great deal. Many offer low or 0% interest introductory rates on balance transfers and/or purchases for periods of up to 12 months. Sometimes it's possible to get a cashback credit card that allows one to accumulate "perks" such as frequent flyer miles and discounts on travel and entertainment expenses. Again, these can vary from one company to another, and even among cards offered by the same company, so it pays to compare.

Chase Free Rewards Visa Card

This Cashback Credit Cards offer an introductory 0% interest rate for the first 12 months. Cardholders receive 1,000 Bonus points upon making their first purchase, and an additional point for every dollar they spend; once they have accumulated 2,500, cardholders are eligible to receive $25 back or as gift certificate in that amount from any one of several participating merchants.

Chase Flexible Rewards Platinum Visa Card

Those who do not qualify for the Free Rewards Visa may find this cashback credit card useful. Flexible Rewards offers an introductory 0% APR on balance transfers and purchases for the initial six months; cardholders earn one point for every $1.00 spent, which can be redeemed for a wide range of travel-related expenses that includes airfare, hotel rooms and rental vehicles.

Chase PerfectCard MasterCard

At today's fuel costs, this is perhaps one of the most handy Cashback Credit Card to have, as cardholders receive a 6% rebate on gasoline purchases made during the initial six month period, and continue to enjoy 3% cash back after that as well as 1% on all other purchases. In addition, cardholders will enjoy a six-month introductory interest rate of 0% on all balance transfers and purchases.