If you're looking for a Visa cash back card, there are several options to consider. The Citi Double Cash Card offers 2% cash back on all purchases, with no rotating categories or spending limits.
The Chase Freedom Unlimited Card provides 3% cash back on all purchases in your first year up to $20,000 spent, and 1.5% cash back on all other purchases. This card also offers a $200 bonus after spending $500 in the first 3 months.
Some Visa cash back cards have higher rewards rates for specific categories, such as groceries or gas.
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Benefits and Rewards
With a Visa cash back card, you can earn rewards on every purchase, making it a great way to save money and earn cash back.
You can choose from automatic monthly statement credits or redeem manually, giving you flexibility in how you want to receive your rewards.
Some Visa cash back cards offer cellular phone protection, emergency card replacement and cash disbursement, roadside dispatch, travel and emergency assistance services, and trip cancellation and interruption.
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Other benefits include extended warranty protection, zero liability for fraudulent purchases, and identity theft protection powered by NortonLifeLock.
Here are some specific rewards and benefits to look out for:
- Earn 1.5% cash back on all purchases
- Get a $100 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application
- Earn 3% cash back on Grocery Store Purchases
- Earn 2% cash back on Gas
- Earn 1% cash back on Everything Else
- Cash Back is automatically credited to the VISA each month
- Earn 3% cash back on a maximum of $6000 in annual spend for grocery and convenience store purchases
These rewards and benefits can add up quickly, making a Visa cash back card a great choice for anyone looking to earn cash back and save money on everyday purchases.
Card Options
If you're looking for a Visa cash back card, one option is the Ink Business Premier Credit Card, which offers a $1,000 bonus cash back after spending $10,000 in the first 3 months.
The Ink Business Premier Credit Card also features a Pay in Full Card with Unlimited Earn Potential, earning 2.5% cash back on every purchase of $5,000 or more and 2% cash back on all other business purchases.
The Flex for Business variable APR is 18.74% Min. of (7.75+10.99) and 29.99%–26.74% Min. of (7.75+18.99) and 29.99%.
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Specific Cards
If you're looking for a Visa cash back card, there are several options to consider. One popular choice is the Chase Freedom Flex Credit Card, which offers a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
The Chase Freedom Flex Credit Card also earns 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate, plus 5% cash back on travel purchased through Chase Travel, 3% on dining and drugstores, and 1% on all other purchases.
The Petal 2 Visa Credit Card offers a range of cash back rewards, including 1% - 10% cash back on purchases. However, it's worth noting that this card has no annual fee, and no fees of any kind.
The Petal 2 Visa Credit Card also offers up to 1.5% cash back on unlimited everyday purchases, with the rate increasing after 6 and 12 months of on-time payments.
Some cards, like the Credit One Bank Platinum Visa for Rebuilding Credit, offer a more limited cash back reward of 1% on eligible purchases. This card also has a annual fee of $75 for the first year, and $99 thereafter.
Here are some key features of these cards:
Ultimately, the best Visa cash back card for you will depend on your individual needs and spending habits. Be sure to review the terms and conditions of each card before making a decision.
Card Details
The APR on this Visa cash back card is quite complex, with a 0% intro APR for 15 months on purchases and balance transfers. This introductory period is a great opportunity to save money on interest charges.
After the intro period, the APR jumps to a variable rate of up to 29.99%. This means that your interest rate can change over time, and you should be prepared for potential rate increases.
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Cash Advance
You can request a cash advance with your Visa card, specifically with a Georgia United Cash Back Visa Signature Card or Platinum Visa Credit Card, at any branch location or through Online Banking.
To request a cash advance through Online Banking, navigate to the 'Transfer' menu and follow the same steps you use for making a transfer.
A fee of 2.00% applies to each cash advance over $2.00, so keep that in mind when making your request.
Please see the Credit Card Terms & Conditions for more detailed information on cash advances.
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Apr
The APR on this card is a bit complex, but I'll break it down for you. The intro APR is 0% for 15 months on purchases and balance transfers.
This intro period is a great opportunity to save money on interest, but keep in mind that it ends after 15 months. After that, the variable APR kicks in.
The variable APR is a range of rates between 19.74% and 29.99%, depending on your creditworthiness. It's calculated as a minimum of (7.75+11.99) and a maximum of (7.75+20.74).
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Frequently Asked Questions
How does a cash back Visa card work?
A cash back Visa card rewards you with a percentage of your purchases as cash, which can be applied to your bill, received as a check, or deposited into your bank account. This cash back benefit is a great incentive to use your card for everyday purchases.
Which card gives you 5% cash back?
The Amex Cashback Everyday Card offers 5% cashback on purchases for new cardmembers, up to £125, for the first five months. This offer is subject to terms and minimum spend requirements.
Do cash back cards actually give you money?
Yes, cash back cards give you actual money back on eligible purchases, not just rewards points or credits. You can redeem this cash back in various ways, including a statement credit or direct deposit.
Which card is the best for cashback?
The Citi Double Cash card is considered the best for cashback, offering a 2% effective cash back rate on all purchases. It tops the list of cash back credit cards with its unbeatable rewards and no annual fee.
Sources
- https://gucu.org/borrow/credit-cards/cash-back-visa-signature-card
- https://www.myconsumers.org/borrow/credit-cards/visa-signature-cash-back-card
- https://creditcards.chase.com/cash-back-credit-cards
- https://www.huntington.com/Personal/credit-card/cash-back-card
- https://www.creditkarma.com/credit-cards/cash-back-cards
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