Las mejores tarjetas de crédito con devolución de efectivo 2022

Tarjeta de crédito con recompensas en efectivo QuicksilverOne de Capital One

En pocas palabras

Si no tiene el excelente crédito necesario para obtener algunos de los bonos que ofrecen otras tarjetas de crédito Capital One, considere la tarjeta de crédito Capital One QuicksilverOne Cash Rewards. Es una tarjeta excelente para un crédito promedio y aún puede obtener un reembolso del 1,5 % en efectivo en todas las compras con una modesta tarifa anual de $39.

Lo que nos gusta:

• 1,5 % de reembolso en efectivo en todas las compras.

• Ser considerado automáticamente para una línea de crédito más alta en tan solo seis meses.

• Sin tarifas de transacción en el extranjero y con una modesta tarifa anual de $39.

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La tarjeta de crédito Capital One QuicksilverOne Cash Rewards es nuestra mejor opción para tarjetas de crédito con recompensas de reembolso en efectivo para generar crédito. Está dirigido a personas con crédito promedio que buscan devolución de efectivo ilimitada y tasas decentes. Obtendrás un 1,5 % ilimitado en todas las compras, sin restricciones. Este tipo de tasa de ganancia no es muy común con las tarjetas de creación de crédito. También cuenta con una tarifa anual baja de $39.

Si viaja, puede obtener ventajas como la exención del seguro de alquiler de automóviles, seguro de accidentes de viaje de hasta $ 100,000 por pérdida accidental de la vida, el habla, la audición, las extremidades o la vista cuando viaja en transporte público y asistencia en carretera las 24 horas, los 7 días de la semana. En general, esta tarjeta ofrece MUCHO valor por estar diseñada para ayudarlo a reconstruir su crédito.

¿Cuánto puedes ganar?

• Gasto total durante 12 meses:$24,000
• Reembolso de efectivo ganado en todas las compras:$360
• Reembolso de efectivo total obtenido en el primer año: $360

Ideal para salir a cenar y tiendas de comestibles

Tarjeta de crédito Capital One Savor Cash Rewards

Descargo de responsabilidad – La información sobre la tarjeta de crédito Capital One® Savor® Cash Rewards ha sido recopilada de forma independiente por MoneyUnder30.com. El emisor de la tarjeta no ha revisado ni aprobado los detalles de la tarjeta.

La tarjeta de crédito Capital One® Savor® Cash Rewards tiene un generoso programa de recompensas en efectivo y es nuestra tarjeta de crédito favorita con recompensas en efectivo para salir a cenar y ir a las tiendas de comestibles. Obtendrá un 4 % de reembolso en efectivo ilimitado tanto en cenas como en entretenimiento. Además, obtendrá un 3 % de reembolso en efectivo en las tiendas de comestibles y 1% de reembolso en efectivo en todo lo demás automáticamente . Debido a esta estructura de recompensas, puede obtener un reembolso sustancial en efectivo en las compras de alimentos.

Pero los beneficios no terminan ahí. En primer lugar, Capital One clasifica vagamente el entretenimiento, por lo que puede recuperar un 4% en cosas como zoológicos, conciertos, atracciones turísticas, salas de billar y películas en esa categoría, lo que la convierte en una tarjeta perfecta para una cita nocturna. También obtendrá un bono en efectivo de $300 después de gastar $3,000 en compras dentro de los primeros tres meses de abrir la cuenta, lo que equivale a un 10 % de retorno de su "inversión".

¿Cuánto puedes ganar?

Asumiendo un gasto mensual de $2,000 con $500 para cenas y entretenimiento, $500 para compras y el resto para otras compras, MÁS una compra única de boletos para un concierto a través de Vivid Seats por $800, así es como podría ser su primer año:

• Gasto total durante 12 meses:24 800 $
• Reembolso en efectivo de la bonificación de registro obtenido:$300
• Reembolso de efectivo ganado en cenas y entretenimiento:$240
• Reembolso de dinero ganado en comestibles:$120
• Reembolso de dinero ganado en todo lo demás:$120
• Reembolso en efectivo ganado en boletos para conciertos:$64
• Reembolso de efectivo total obtenido en el primer año: $844

Vea los detalles de la tarjeta/solicite o lea nuestra revisión completa de la tarjeta de crédito Capital One® Savor® Cash Rewards.

*Esta tarjeta ya no está disponible.

Para aquellos con mal crédito, encontramos el Credit One Bank® Platinum Visa® para reconstruir el crédito ser la mejor opción para recompensas de devolución de efectivo. For purchases, you’ll earn 1% cash back rewards on eligible gas, grocery purchases, and communication services like mobile phone, internet, cable and satellite TV services, terms apply. For a credit-builder card that has no security deposit, you’ll be hard-pressed to find a better rewards package.

It has some nice perks for those who want a cash back rewards card with no security deposit and additional features – and this one includes things like mobile banking, travel and auto rental insurance, and NFC payments, as an example. We also found this card best for people with poor credit that need emergency funds for things like a minor car repair or money to pay utility bills.

How much can you earn?

Assuming a $2,000 monthly spend (and remember that your 1% cash back will only go toward things like gas, groceries, and payments for phone, Internet, cable, and TV services) here’s how the first year could look for cash back:

• Total spend over 12 months:$24,000
• Total cash back earned on qualifying categories:$120
• Total cash back earned in the first year: $120

See card details/apply or read our full Credit One Bank® Platinum Visa® for Rebuilding Credit review.

Best for cash back booster

Summary of the best cash back credit cards

⁺Credit Score requirements are based on Money Under 30’s own research of approval rates; cumplir con el puntaje mínimo le dará la mejor oportunidad de ser aprobado para la tarjeta de crédito de su elección. Si no conoce su puntaje de crédito, use nuestra herramienta gratuita de estimación de puntaje de crédito para tener una mejor idea de para qué tarjetas calificará.

Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. A creditor may use a different score when deciding whether to approve you for credit.

*5% cash back categories have a $1,500 max spend and require quarterly activation

How we came up with our list of the top cash back credit cards

With so many terrific options, you might be wondering how we narrowed down the list to find the top cash back credit cards. To be fair, plenty of good options didn’t make our list. The cards we presented above are our favorites because they score highly on the most important features people should be looking for in a cash back card.

This includes things like a high sign-up bonus, low annual fees, easy rewards redemption and earning policy, and favorable terms for their other fees. We factored in the most important features of a cash back card and compared the contenders until we found the cream of the crop.

Why you should get a cash back credit card

Cash back credit cards give cardholders the freedom to use their rewards in how best suits their needs. By offering cash instead of points, members can cover important expenses, pay for their favorite activities, or grow their savings easily. While not every card delivers the same benefits or meets the same needs, there are excellent choices available for any consumer.

Regardless of credit score, you can use one of these cash back cards to rebuild credit scores, cover small business expenses, or even take advantage of the great perks of a top-tier club while still receiving cash back for every dollar spent. Finally, the top cash back credit cards have interest rates higher than credit cards that don’t pay rewards.

Remember this if you don’t pay your balance off in full every month. You may be wise to forgo a cash back credit and instead get a credit card that may not offer rewards but has a lower regular APR.

Most important features of cash back credit cards

While every credit card comes with some benefit or another, there are features that make some cards more valuable than their competitors. Here are the most significant features to look for in a cash back credit card:

APR

How much interest you pay on your credit card is a big deal. It is one of the most important factors to consider when comparing credit cards. A high interest rate could offset any cash back rewards you earned during the month and even send you into debt due to unmanageable accrued interest charges. Fortunately, many cards have phenomenal introductory APRs and competitive rates once the initial offer runs out.

That can be a tremendous savings.

At Money Under 30 we always recommend you make sure you’re able to pay off your credit card balance in full and on time to avoid ever paying your APR.

Annual fees

The Chase Freedom Flex℠ has no annual fee and still has great cash back rewards (which is why it is one of our top picks).

Credit score required

This feature might be significant to you depending on your credit score. If you have a reasonable score, then a high credit score requirement won’t phase you. But plenty of people suffer from poor credit scores and will be excluded from offers that demand a higher bracket. Fortunately, cards like the Credit One Bank® Platinum Visa® for Rebuilding Credit cater to even very poor credit, with a score requirement of only 350 making it accessible to almost anyone.

Redemption

Rewards points are only as good as the ease with which they can be used. If you have to jump through hoops to redeem your points, this won’t make a good bonus. We graded credit cards on how easily their points system could be used.

This includes how long points remain valid before they expire, where points can be redeemed, whether or not a login was required to redeem the points, how many points could be accrued, and whether or not there was a minimum point grade before redemption kicked in.

Cash back structure

How you earn points is also a heavy determining factor as to whether a card is worth the effort. Do you receive cash back points every time you make a purchase or are there select locations that award points? Are there different categories that reward higher or lower point values for purchases, or is this a flat-rate cash back card? What is the points structure?

A good cash back structure will reward you amply for your purchases and not make vague promises cloaked in legal jargon designed to swindle you out of your earned points. The Capital One QuicksilverOne Cash Rewards Credit Card is a good example. This card has NO rotating categories (meaning all categories earn you the same 1.5% rewards), and you get the cash back on every purchase, every day, with no limit.

Sign up bonus

The sign up bonus can sometimes be the most lucrative part of a credit card.

Many cash back cards offer juicy sign up bonuses as a way of welcoming their new clients, such as the Chase Freedom® which provides an easy way to snag $200. You have only to spend $500 in the first three months and you’ll earn a $200 cash rewards bonus.

Foreign transaction fees

This is one of the most insidious fees that really trips people up simply because they don’t know about it or aren’t aware of how quickly it adds up.

Take the following example:

Assume you sign up for a credit card on which you are charged a 3% foreign transaction fee for every foreign transaction. If you go on vacation to Prague, every gift, meal, or attraction you pay for with that card will receive that 3% fee.

That quickly adds up, as the average cost for a vacation per person per night could run from $200-$600. At that rate, a two-week vacation could cost you close to $300 or more, and that doesn’t even account for souvenirs and additional expenses.

A foreign transaction fee can also catch people off-guard when shopping online. Remember, if you are surfing a website run in a different jurisdiction or uses a foreign currency, you will be charged this same fee. Online shoppers beware.

With such astronomical fees, any cash back rewards you would earn from these purchases are nullified. A low or no foreign transaction fee card is the only way to go.

Additional benefits

What other perks come with this card? Can you get invitations to VIP events, insurance for travel plans, airfare, or purchases, roadside assistance, free nights at hotels, birthday, and anniversary gifts? These and more benefits can be gleaned by using the right credit cards at the right time.

FAQ on cash back credit cards

How do I earn cash back points?

How you earn rewards depends on the credit card company’s policy. Though, cardholders earn rewards every time they use their cards to make a purchase from one of the specified categories. This can include gas stations, wholesale clubs, grocery stores, restaurants, online partners, hotels, airlines, and more. If no categories are specified, then any purchase will earn you rewards.

How many points can I earn with my cash back rewards card?

How many points can be earned depends on the program you are signed up with. Some cards have no caps, while others will cap you monthly, quarterly, or annually. To see what your points caps are, visit the credit card of choice’s details page here.

How can I redeem my cash back rewards points?

Points are easily redeemed in one of two ways (depending on the rewards program you have):

Log onto your credit card account

From your account center, you can view a list of online redemption options for you to choose from. Redemption options include donations, gift cards, Amazon rewards, apply part of the points to your credit card bill’s balance, or deposit the amount directly into your bank account. You can also set up your account so you can automatically transfer points to your savings or checking account as they accrue.

Calling the credit card hotline and requesting cash back

For example, the Capital One QuicksilverOne Cash Rewards Credit Card lets you make a cash back request anytime you want.

Do cash back rewards expire after a certain amount of time?

Once again, this depends on the credit card in question. All of our leading cash back credit cards have a no expiration policy, however. This applies for as long as you have an active account with that credit card.

Resumen

Cash back rewards cards are the most lucrative and exciting cards available today. Use our helpful comparison tool to compare the different options available to you, and earn more whenever you make a purchase from now on.

Not sure you want a cash back credit card? Finding the right credit card for you is much simpler if you know your credit score, and can narrow your search to only the cards you know you’ll get approved for. We’ve made it easy for you. If you don’t already know your score, use our quick and free Credit Score Estimator tool – then find the perfect card for you!

• Best credit cards for a credit score over 750
• Best credit cards for a credit score between 700 – 749
• Best credit cards for a credit score between 650 – 699
• Best credit cards for a credit score between 600 – 649
• Best credit cards for a credit score under 599

Leer más:

• Compare All Of Money Under 30’s Recommended Rewards Credit Cards.
• How Do Cash Back Credit Cards Work?

Best Credit Cards 2021

• Rewards Credit Cards
• Travel Rewards
• Balance Transfer Credit Cards
• 0% APR Credit Cards
• No Foreign Transaction Fee
• Business Credit Cards
• No Annual Fee Credit Cards
• Student Credit Cards
• Cash Back Credit Cards
• Credit Cards for International Travel
• Credit Cards Sign up Bonus Offers
• Credit Cards for Young Adults
• Low Minimum Spend
• Credit Cards for Building Credit
• Gas Credit Cards
• Hotel Credit Cards
• Store Credit Cards
• Credit Cards for Grocery Store Purchases
• Prepaid Credit Cards

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