The Best Type of Credit Card...

Here at The Net Analyst we have carefully examined all the the credit card offers out there and narrowed it down to just a few cards that are actually worth your time. Each of these credit cards pays you at least 3% cash back with up to a 10% bonus on things that you purchase anyways like fast food, coffee, gas, transportation, department stores items, drug store items, auto repairs, groceries, etc. etc. (1% on other stuff)!

Won't Trick You With Fine Print

Steps on how to maximize your rebates are listed below including the top 2 current offers as of October, 2007. We've examined the nitty gritty details from each of these cards and clearly layed it all out for you in the descriptions below. These cards have no annual fees and each offers something unique that can't be found anywhere else!

Gives You a 3%-10% Raise With Minimal Effort

One of these credit card companies will give you the opportunity to double your reward to 10% by exchanging your cash back for giftcards, but even if you stick with cash back, you are still getting a good deal! Consider how much money you spend in the above mentioned categories on an annual basis. 3% of $1000 is 30 bucks. 10% of $1000 is 100 bucks. Do the math and you will see that these cards put your money to work for you. All you have to do is charge it instead of paying cash. How much easier could it get?

Is Recommended Based on Facts

To back up our statements above consider that even the "minimum" 3% rebate is the highest payout availible when compared to airline, reward point, student, and all other credit cards. Almost all airline credit cards require you to spend as much as $25,000 to get just 1 free airline ticket in addition to charging hefty annual fees!!!

With the "minimum" 3% cash back you could purchase a round trip ticket to Europe or several domestic airline flights with that kind of spending; and 3% is a conservative estimate! Anyways, we have another review available for getting the most back from your travel expenses. Does it all make sense yet?

Lets You Get What You Want

Simply put, cash rewards give you the flexibility to purchase anything you want, anywhere you want... You will basically get free money! The Discover Gas Card is nice due to the fact that you can increase your rewards (up to double) when you trade in your cash back for gift cards from retailers like Bed Bath & Beyond, Darden Restaurants (Olive Garden, Red Lobster, Smokey Bones, etc.), or Royal Caribbean cruise lines! It makes a great addition to the other cards we feature on this page.

If you happen to be a traveling business person, the AMEX Simply Cash for Business and the Chase Business Card are an excellent combo. It never hurts to add a few percent to your bottom line and you will get some excellent buisness perks as well! (We're not completely sure, but we don't even think you need to own a business to get one of these...)

We're also thrilled with the new payment structure for the Chase Freedom Card, which includes 3% cash back, a $50 sign up bonus, and a $50 bonus whenever you accumulate $200 in cash back!

And Pays More Than a Savings Account!

The cash rebate from these cards is better than a high yield savings account and even rivals average stock market returns in some cases. These cards offer a real investment opportunity and you can apply in less than 5 minutes. So, with your best "interest" in mind, we strongly suggest that you get on the boat and stop missing out on $100's to $1000's of free dollars annually!

American Express is one of the leading providers for consumer credit cards with outstanding benefits. Blue Cash is one of the best no-fee cash back cards out there and actually pays you 5% on all your purchases at supermarkets, gas stations and drugstores in additon to 1.5 % on everything else you buy.

Although there is a lower cash bonus until you spend $6,500, it is still an exceptionally good deal because there is no limit to the 5% rewards you earn beyond that point. This card is the best thing out there for big spenders; even Forbes magazine thought so. In addition to the cash back you will also receive a 0% APR on purchases and a 4.99% fixed APR on balance trasfers at the time of this review. This is in addition to industry leading travel, fraud, and purchase protection! Apply Now!

Chase brings you the excellent Chase Freedom Credit Card. They have also introduced a new rebate structure as of October '07. You will now get the 3% cash rebate on your top 3 of 15 spending categories including gas, grocery, convenient stores, utility bills, cable, phone, pet supplies, beauty stores, department stores, gym memberships, dry cleaning, video rentals, movie theaters, local transportations fees, and quick service restaurant purchases.

The new rebate structure is actually much better than before because there are 5x as many rebate categories and now anyone can benefit from the card. You'll also get a sign-up bonus of $50 for a limited time, making this an even better deal!

The 3% cash bonus is good on your first $600 of spending in your top 3 categories each month and then defaults to 1% thereafter. You'll also receive 1% cash back on everything else that you buy. And finally, there is an additional bonus of $50 when you accumulate $200 in rewards! This bonus easily adds up to a few hundred dollars each year for most people and their new rebate structure blows away the competition! Apply Now!

Discover offers what we consider to be a nice addition to other cards you might have. Oil changes, auto repairs, and gas purchases can easily cost you hundreds of dollars on an annual basis and gas probably does more damage to your pocket book than anything else. Why not get $5 back for every $100 you spend on fueling your car?

The only downside is that there is a $100 monthly cap for the 5%. After that the payout gets reduced... so we now have to recommnd this card only as an add-on to either the Chase or AMEX card mentioned in this review. It's still free cash and you can also double the reward (up to 10%) when you trade it in for gift cards. This card is worth it just to get something back for all the suffering these oil companies are putting you through! Apply Now!

If you're still not convinced that cash back is the way to go then you can get 2 airline points for every dollar that you spend on travel, most fast food, and sit-down restaurant purchases (1 point on everything else) with the Discover Miles Card. The double miles are given on the first $3,000 spent in the special categories and this is generally the best you can get for restaurant and travel purchases. After that you still get 1 point per dollar.

The rebate ends up equaling 2% and it's not a bad deal if you eat out frequently. If you are a business person looking for a good travel card it would be best to pick up an American Express Card since they provide up front discounts with major hotel chains, car rental companies, and other business services. See the business card section for more info on the best 3 business cards.

Getting back to the Discover Miles card, you also get a big bonus of 12,000 points when you sign up (1000 points/month for 12 months), no blackout dates on any airline, no annual fees, and you have the option to trade your travel points for cash or gift cards. If our argument for cash back rewards wasn't convincing enough then take a look at this one. Apply Now!