Top Cash Back Alternatives to Travel Rewards Credit Cards

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Travel rewards are incredibly valuable, but to paraphrase the line from breakfast cereal commercials, they are only part of a balanced diet of reward cards. Many people like to carry a great cash back card instead of or in addition to their favorite travel rewards card. After all, you can’t pay your rent or mortgage with points and miles. Cash back is also valuable for paying the inevitable taxes and fees that come with frequent flyer award tickets, let alone all of the other vacation expenses that only cash can cover,

So if you are looking for a top cash back card to compliment your portfolio of travel rewards credit cards, consider these:

American Express Cash Magnet™ Card

This card is a simple way to earn a steady rate of cash back on all purchases, without paying an annual fee. It offers new applicants a $150 statement credit after spending $1,000 on new purchases within three months of account opening. You also earn unlimited 1.5% cash back everyone, and enjoy 15 months of 0% APR financing (then a variable rate, currently 15.24% to 26.24%. See rates and fees.) on both new purchases and balance transfers.

SimplyCash® Plus Business Credit Card from American Express

This small business card offers you up to 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores. You can also earn up to 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases. There’s no annual fee for this card (see rates and fees).

Blue Cash Preferred® Card from American Express

This is one of the top cash back cards, especially for groceries. It starts off with a $200 statement credit after spending $1,000 in purchases on your new card within three months of account opening. You also earn 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 3% cash back at U.S. gas stations, and 1% cash back on other purchases. There’s a $95 annual fee for this card (see rates and fees).

Bank of America® Cash Rewards credit card

This card offers new applicants a $150 bonus after spending at least $500 on purchases in the first 90 days of account opening. You can also maximize your cash back in the category of your choice including gas, online shopping, dining, travel, drug stores, or home improvement /furnishings. To do this, you earn 3% cash back in your choice of category, 2% at grocery stores and wholesale clubs (on up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases. There’s no annual fee for this card.

Citi® Double Cash Card

This is a great card for earning cash back on all purchases. You earn 1% cash back at the time of purchase, and another 1% cash back when you pay for your purchases, for a total of up to 2% cash back. There’s no annual fee for this card, and it offers new accounts 18 months of 0% APR financing on balance transfers, then a variable APR of 15.74% - 25.74%.

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