How Credit Card Rewards Paid For Our 5 Day Carnival Cruise

free cruise on credit card rewards Follow Me on Pinterest We recently returned from a fun-in-the-sun vacation on a 5 day Carnival cruise. The best part of the vacation was that it was almost completely free due to credit card rewards. We did end up having to pay just a tiny bit of money, but everything else was covered by credit card rewards!

Most people would never think 2 people could take a 5 day cruise for almost nothing, so I thought I’d share how we were able to pull it off. First I’ll cover how much everything cost, then I’ll share how we used credit card rewards to pay for everything.

How Much Our Five Day Carnival Cruise Cost (Everything Included)

I’ve done write ups on how much our cruises have cost in the past (read our first 5 day cruise costs here and our 7 day honeymoon cruise costs here) so I’m not going to explain what all of these costs are for. If you want to read about hidden costs on a Carnival cruise, click here.

The cruise itself, with all fees and prepaid tips included cost us $770.96. This was the first cost we paid and we paid it all with our credit card rewards. The next cost we paid was a shore excursion, snorkeling in Grand Cayman, that we planned a few weeks ahead of the cruise. It cost $73.98 and was also paid for completely with credit card rewards.

About a week before we left for the cruise we booked a hotel for the night before the cruise left. We always do this so we don’t have to worry about traffic or missing the cruise! We booked through Priceline.com and got a killer deal at the Hilton Garden Inn just a few miles from the port. It only cost $63.76 and was again paid for completely with credit card rewards.

On our way to the port we had to fuel my car. Total fuel (both on the way there and on the way back) cost us $71.64. We also stopped to stock up on a few vacation necessities and a meal on the way to and home from our cruise which cost us $58.32. Unfortunately, we couldn’t pay for these costs with our Barclaycard rewards at the same rate at which we could redeem our miles for travel, so we paid for these costs out of pocket.

When we finally arrived at the port and had to pay to park our car. These cruises really know how to nickle and dime you! The parking cost $75.00 and while we put it on our credit card, it didn’t count as travel so we didn’t use our reward points for this part either.

We always bring some cash to pay for tips and purchases in the ports. This time we only paid additional tips to the porters ($2) who took our bags when we arrived at the port and $4 to rent a locker on one of our excursions. We got by pretty cheap with our cash spending this cruise.

While we were on the ship we enjoyed our cruise and knew how much money we had left in credit card rewards and we wanted to make sure we spent it all. We both bought a t-shirt and we bought a few drinks here and there on the cruise ship. In the end, we spent the last $75.20 of our credit card rewards on our on-board cruise account.

Total Cost Of The Cruise

The total cost of our cruise was $1,194.86 and we were able to pay for $983.90 of it with our credit card rewards. That means we only had to pay $210.96 out of pocket for a 5 day Carnival cruise. Pretty sweet huh?

We could have done even better and completely paid for the cruise with credit card rewards, but we wouldn’t of had as much fun and we wouldn’t have been able to redeem our rewards at maximum value. We’re super happy with how our trip turned out and how we didn’t have to pay hardly anything for it, compared to a normal cruise!

How We Earned Our Credit Card Rewards

To earn the rewards to pay for our cruise, we used the Barclaycard Arrival World Mastercard – Earn 2x On All Purchases credit card (the version that comes with an annual fee that is waived the first year). I signed up for the card first and hit the minimum spend threshold to earn the 4,000 point sign up bonus. Next, my wife did the same thing.

We continued to put our normal spending on these cards until we hit our desired point amount for our vacation. Then we redeemed our rewards for travel to get the maximum value possible! It’s pretty simple!

Want to sign up for the card and get free money for your vacation? You can use the widget below to apply! Want to see my full review of the Barclaycard Arrival World Mastercard first? Here it is!

Have you ever used credit card rewards to get a cheap or free vacation? I’d love to hear your stories in the comments below!

Photo by:  swiatekj Text added by: Lance Cothern

Chase Freedom 5% Cash Back for April, May and June 2014

Chase Freedom 5 percent cash back Follow Me on Pinterest It’s that time again. Chase Freedom, one of my favorite cash back credit cards that I use on a regular basis, is changing their quarterly 5% cash back categories. I almost always use my Chase Freedom card whenever I make a transaction in one of these categories because 5% cash back is very hard to beat.

Second Quarter 5% Cash Back Categories

For April, May and June 2014 (the second quarter) you can earn 5% cash back at Lowe’s and restaurants.

We dine out about once or twice a week so the restaurant category is a free 5% discount for us. We’re planning on doing some house renovations as well, so the 5% cash back at Lowe’s should help out a lot, too!

If you have a Chase Freedom card, don’t forget to activate your 5% cash back for the second quarter of 2014. You can activate your 5% cash back here. As always, you’ll earn 1% cash back on all other purchases you make your Chase Freedom card.

5% Cash Back Gets Even Better

A great benefit of getting 5% cash back on my Chase Freedom card is the fact that I can transfer the Ultimate Rewards points I earn to my Chase Sapphire Preferred credit card. I can then transfer these points to other rewards programs such as the Southwest Rapid Rewards program at a 1:1 ratio.

This is great because 100 Southwest Rapid Rewards points can be exchanged for  Wanna Get Away fares, essentially increasing the value of my points by over 50%! If I use this strategy and transfer my points to the Southwest Rapid Rewards program, I could earn the equivalent of over 7% value on my bonus category purchases. There are a ton of other programs you can transfer your points to on a 1:1 value as well.

If you don’t have a Chase Sapphire Preferred credit card make sure to check out the Best Credit Card Sign Up Bonuses post to learn more about it. The Sapphire Preferred credit card currently offers a $400 sign up bonus and many other great benefits. Be careful though… it does come with a $95 annual fee that is waived for the first year.

A Word of Warning

I consider credit cards a tool. If not used properly, tools can be very dangerous. Much like using a chainsaw, if you can not handle using credit cards properly you could easily become injured, although it would be financially and not physically.

Please don’t apply for credit cards if you cannot pay them off in full every month. There are other payment methods other than credit cards. You can always use debit cards, cash or even try to remember how to write a check.

Do you have a Chase Freedom or Chase Sapphire Preferred card? Do you have any tricks to get more cash back or more value for your Ultimate Rewards points?

Barclaycard Arrival™ World MasterCard® – Earn 2x on All Purchases Review – $506 Valued Bonus

BarclaycardArrivalReview Follow Me on Pinterest The Barclaycard Arrival World Mastercard is the most recent credit card addition to my wallet and my wife’s purse. Let’s go through the quick pros and cons review followed by an in-depth look at the card.

Barclaycard Arrival World Mastercard Pros

  • $440 of value in sign up bonus rewards after $3,000 in net purchases within first 90 days of opening your account (40,000 miles plus 10% Carry On miles bonus)
  • $66 in rewards earned from spending $3,000 in required net purchases
  • 2x miles on all purchases with no limits
  • No foreign transaction fees

Barclaycard Arrival World Mastercard Cons

  • $89 annual fee (waived the first year)
  • Reward miles must be redeemed for travel for maximum value
  • Miles cannot be redeemed in amounts smaller than 2,500

Overall Rating

The Barclaycard Arrival card is great for the sign up bonus and first year rewards if you like traveling. After the first year you must redeem all rewards for travel and spend over $17,800 to make the annual fee worth it vs using 1.5% cash back Capital One Quicksilver credit card.

I’d keep the Barclaycard Arrival card for year 2 and forward if Barclaycard will waive the annual fee. Otherwise, I’d downgrade to the no annual fee card after year one.

If you’re ready to sign up already, skip to the bottom and use the widget in this post.

The Detailed Barclaycard Arrival Review

This credit card is a great travel sign up bonus credit card. You’ll earn 40,000 bonus miles after spending $3,000 in net purchases in the first 90 days of account opening. In addition, whenever you redeem miles for travel, you’ll automatically earn 10% Carry On bonus miles.

This effectively makes the sign up bonus 44,000 miles that can be redeemed for $440 in travel! The terms and conditions do say it may take a few weeks for your sign up bonus miles to post to your account, but mine showed up immediately after I had $3,000 in net purchases posted a finalized transactions.

In addition, when you spend your $3,000 in required net purchases to earn the bonus, you’ll earn 6,000 points which can be redeemed for $60 in travel. Once you redeem the 6,000 points, you’ll earn 600 carry on points worth $6 for a total of $506 in travel rewards!

Miles Earned On Purchases

You won’t earn just 1 or 1.5 miles per dollar of net purchases like many of the other cards available today. Instead, you’ll earn a full 2 miles on every dollar of net purchases you make. This isn’t a bonus category. It is every single purchase you make as long as they don’t violate any of the terms and conditions.

10% Bonus Miles When Redeem For Travel

Whenever you redeem your miles for travel related expenses you’ll earn 10% bonus Carry On miles! Redeem your 40,000 mile sign up bonus and 4,000 bonus Carry On miles will be awarded to your account.

The terms and conditions say it only takes 1 business day after the redemption processes for these bonus Carry On miles to show up. It’s true, because mine showed up in my account immediately after I redeemed my miles.

No Foreign Transaction Fees

The fact that this credit card has no foreign transaction fees is a huge plus because it is a travel card after all. Wouldn’t it stink to be traveling and get hit with a 3%+ foreign transaction fee like many other cards would charge you?

What Is Considered Travel?

Barclaycard considers travel to include the following based on the merchant category code of your purchases:

  • Airlines
  • Travel Agencies & Tour Operators
  • Hotels
  • Motels & Resorts
  • Cruise Lines
  • Passenger Railways
  • Car Rental Agencies

Redeeming Rewards For Travel

It is super easy to redeem your rewards to reimburse yourself for travel purchases. Simply click on the area on Barclaycard’s website to redeem miles for travel related purchases and Barclaycard will show you a listing of all of your eligible purchases.

Pick the purchase you want to reimburse yourself for and the amount of miles you want to use and they’ll take care of the rest. Keep in mind, you do need to use your miles in 2,500 mile increments.

The Annual Fee

Annual fees are no fun, but Barclaycard waives the $89 annual fee for the first year. Between Barclaycard waiving the annual fee and the massive sign up bonus, I’d say this card is worth holding onto for a least a year!

The Final Verdict On The Barclaycard Arrival World Mastercard

As I mentioned in the beginning of this review, both myself and my wife have our own Barclaycard Arrival World Mastercards so I’d definitely say this credit card is worth getting at least for one year. You’ll earn miles worth $440 of travel value for meeting the sign up bonus spending requirements and Barclaycard even waives the annual fee for the first year. Then, you get 2 miles for every dollar of purchases.

It was a no brainer decision for us and that’s why we both have the card in our wallet and purse! If you’re planning on doing any traveling or pursuing travel credit card rewards, you’ll likely come to the same conclusion we did and sign up for this card to get a free vacation! Remember, both you and your spouse can sign up for separate versions of this card and double your sign up bonus. That’s what we did.

Sign Up Today!

Your Mom Told You To Not Carry Credit Card Debt

I agree with your Mom. Never carry credit card debt. If you have problems with credit cards and carrying a balance, rewards credit cards aren’t for you. Any interest you pay will more than wipe out any rewards you’ll earn and you’ll just dig yourself further in the hole. Rewards are nice and shiny, but debt is not, so don’t sign up if you can’t handle it.

The information in the article is accurate to the best of my knowledge as of April 22nd, 2014. It will be periodically updated as offers change. As with any offer, make sure to read all of the details on the application site as those are the terms and conditions that will govern any credit card you sign up for. What you have read here is simply a summary and does not contain all terms and conditions. If you sign up for a credit card through any links on this page I may receive an affiliate payment for you signing up. Thank you for supporting this site!

Best Credit Card Sign Up Bonuses – March 2014

credit card sign up bonus Follow Me on Pinterest Sign up bonuses are one of the most lucrative ways to rack up credit card rewards quickly. There are currently some great credit card sign up bonus offers, up to $500 or more, and I have used a couple of them myself. Basically you have to sign up for a credit card with a bonus and meet the various requirements within a time limit to get the bonus.

Sign up bonuses are normally awarded in some form of credit card reward points which you can normally use for either a statement credit, travel, gift cards or other rewards based on what each program offers. Each program values points differently so it is important to know your options before you cash out your sign up bonus.

You may get $0.01 of value per point if you apply your reward points to a statement credit or you could $0.0167 of value per point if you transfer your points to another program and use them with the other rewards program. This can greatly alter the value of the credit card sign up bonus reward points so make sure you know what you’ll use your points for before you sign up for a particular sign up bonus credit card to get the best deal.

Chase Sapphire Preferred Credit Card

chase_sapphire_preferred_credit_card_sign_up_bonus Follow Me on Pinterest I personally signed up for this card a little less than a year ago. The Chase Sapphire Preferred credit card has an amazing 40,000 point sign up bonus after you spend $3,000 within 3 months of opening your card.

The 40,000 points can be applied as a statement credit or exchanged for a check  worth $400 with each point being worth a penny. If you use the rewards through Chase’s Ultimate Rewards program you can get $500 worth of value. However, there are some even better ways to use your 40,000 point sign up bonus.

Advanced card users will likely transfer their points to another rewards program at a 1 point to 1 point value to some of these amazing rewards programs: British Airways Executive Club, United MileagePlus®, Southwest Airlines Rapid Rewards®, Korean Air SKYPASS, Amtrak Guest Rewards®, Hyatt Gold Passport®, Marriott Rewards®, Priority Club® Rewards and The Ritz-Carlton Rewards®.

I plan to transfer my points to the Southwest Airlines Rapid Rewards® program because each Chase Ultimate Rewards point is equal to 1 Rapid Rewards point. I can exchange 100 Rapid Rewards points for $1.67 in Wanna Get Away?® fares which essentially increases the value of my points 67%! Not shabby.

*Important note* On March 31, 2014, Southwest will be devaluing their points to $1.42 per 100 points so make sure to book your tickets before then! *Important note*

You also earn points for your purchases. You earn 2 points per dollar spent on travel and dining purchases and 1 point per dollar spent on all other purchases.

That’s not all! Each year you’ll receive a 7% points dividend on all points earned on purchases. The first year, assuming you just spend the $3,000 required for the sign up bonus and nothing more , that dividend is worth a minimum of 210 points.

A couple of the other great benefits include no foreign transaction fees and the card is Chip and Signature enabled for when you’re traveling internationally. They even have a customer service number answered directly by real humans! You don’t have to go through any computer automated prompts and that is pretty awesome if you ask me.

There is an annual fee but Chase will waive the $95 annual fee on the Sapphire Preferred card for the first year. You’ll have to pay the fee each year after that.

best-credit-cards-2014 Follow Me on Pinterest

P.S. This card is pretty cool because it is made of metal and heavier than normal credit cards.

As with any card, please read all of the fine print and details on the application before you sign up. You need to completely understand the details to ensure you get your rewards!

Barclaycard Arrival World Mastercard

Barclaycard-Arrival-World-MasterCard Follow Me on Pinterest This is my most recent favorite bonus credit card that I personally have applied for. You can earn 40,000 bonus miles if you spend $3,000 within the first 90 days of having an account. When you redeem your miles for travel you’ll earn a bonus of 10% of the miles you redeemed.

This card offers an awesome 2 miles per dollar on all purchases you make, which will equate to 2.2% value if you redeem your rewards for travel after the 10% miles redemption bonus.

Bonus miles can be redeemed for a statement credit on travel purchases at $0.01 per mile and redeemed for a regular statement credit at a value of $0.005 per mile. Barclaycard considers the following as travel categories:

  • Airlines
  • Travel Agencies & Tour Operators
  • Hotels
  • Motels & Resorts
  • Cruise Lines
  • Passenger Railways and
  • Car Rental Agencies

Keep in mind that while this card waives the $89 annual fee for the first year, you will have to pay it in the following years if you decide the card provides you enough value to offset the fee.

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As with any card, please read all of the fine print and details on the application before you sign up. You need to completely understand the details to ensure you get your rewards!

Southwest Rapid Rewards Plus and Premier Credit Cards from Chase

southwest_airlines_rapid_reward_plus_credit_card_sign_up_bonus Follow Me on Pinterest If you fly on Southwest these cards offer some tremendous sign up bonus values! Both credit cards, the Southwest Rapid Rewards Plus and Premier, offer 50,000 sign up bonus points after you spend $2,000 in the first three months of opening an account. Those 50,000 points can be redeemed for over $800 in Wanna Get Away?® fares which can be redeemed for a round trip flight ($416 per round trip flight).

*Important note* On March 31, 2014, Southwest will be devaluing their points to $1.42 per 100 points so make sure to book your tickets before then! *Important note*

In addition to the sign up bonus you earn 2 points for every dollar spent on Southwest Airlines® and AirTran® Airways when you book directly with the airlines and 2 points for every dollar you spend on Southwest Rapid Rewards Hotel and Car Rental Partner purchases. All other purchases earn 1 point per dollar spent.

Both versions of the Southwest Rapid Rewards credit card have anniversary bonuses. The Plus credit card has a 3,000 point anniversary bonus and the Premier credit card has a 6,000 point anniversary bonus.

The Premier version boasts two perks the Plus card does not have at all. It offers 1,500 Tier-Qualifying Points for every $10,000 in purchases each year (up to 15,000 Tier Qualifying Points) and no foreign transaction fees which can save you a ton of money if you commonly use credit cards in foreign countries.

Both versions have balance transfer bonuses as well but the 3% balance transfer fee exceeds the value of the points you would earn from transferring your balances. I recommend you pass on this feature. 

Unfortunately, both credit cards have annual fees. The Southwest Rapid Rewards Plus annual fee is $69 and the Southwest Rapid Rewards Premier annual fee is $99. If you use all of your points each year, the extra $30 for 3,000 extra anniversary bonus points is actually worth $50 in Wanna Get Away?® fares so it might be worth it to splurge for the Premier card.

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As with any card, please read all of the fine print and details on the application before you sign up. You need to completely understand the details to ensure you get your rewards!

Chase Ink Plus Business Credit Card

chase_ink_plus_business_credit_card_sign_up_bonus Follow Me on Pinterest The Chase Ink Plus Business Credit Card offers one of the largest sign up bonuses I’m aware of at 50,000 sign up bonus points but it comes with a large spending requirement of $5,000 in the first 3 months from opening your account.

Just like the Chase Sapphire Preferred credit card, these points can be transferred with no transfer fees at a 1 point to 1 point value to any of the following reward programs: British Airways Executive Club, United MileagePlus®, Southwest Airlines Rapid Rewards®, Korean Air SKYPASS, Amtrak Guest Rewards®, Hyatt Gold Passport®, Marriott Rewards®, Priority Club® Rewards and The Ritz-Carlton Rewards®.

This credit card offers no foreign transaction fees and waives the annual fee for the first year. Each year after the first there is an annual fee of $95.

Even though this is a business card you can still apply for it as a sole proprietor by simply giving your name as the legal name of your business your SSN as the taxpayer identification number. If you sell anything on the side  or have a side gig that isn’t a W-2 job you could likely consider it a business (and you should be reporting the income to the IRS as well if it is taxable). Don’t lie about your business though… Be honest when filing out the application.

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As with any card, please read all of the fine print and details on the application before you sign up. You need to completely understand the details to ensure you get your rewards!

Citi Hilton HHonors Reserve Credit Card

citi-hilton-hhonors-reserve-credit-card-sign-up-bonus Follow Me on Pinterest If you like fancy hotels then the Citi Hilton HHonors Reserve credit card might be worth checking out. You can earn two weekend night certificates, each good for one weekend night in a standard room with double occupancy at select hotels and resorts within the Hilton HHonors portfolio. To receive this sign up bonus you must spend $2,500 in eligible purchases within the first four months of card membership.

In addition to the sign up bonus, you will earn 10 bonus points for every dollar spent on hotel stays within the Hilton HHonors portfolio, 5 bonus points for every dollar spent on airline and car rental purchases and 3 bonus points for every dollar spent on all other purchases. These are in addition to the HHonors base points you may earn for your stays.

You can earn an anniversary bonus of one weekend night at select hotels and resorts if you spend $10,000 or more on eligible purchases in each card membership year.

The Citi Hilton HHonors Reserve credit card features no foreign transaction fees and a Citi chip to assist in making global travel easier.

Finally, you will be rewarded complimentary HHonors gold status as long as you’re a Citi Hilton HHonors Reserve cardmember and can earn an upgrade to HHonors Diamond status by making $40,000 or more in eligible purchases during each calendar year.

Like many of these stellar sign up bonus cards, the Citi Hilton HHonors Reserve card has a $95 annual fee.

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As with any card, please read all of the fine print and details on the application before you sign up. You need to completely understand the details to ensure you get your rewards!

Citi ThankYou Preferred Card

Citi-ThankYou-Preferre Follow Me on Pinterest The Citi ThankYou Preferred credit card can provide up to a 20,000 bonus ThankYou points bonus! In order to earn the full bonus, you must spend $1,500 in purchases in the first three months of account opening.

You can redeem your 20,000 points for $200 in gift cards or you can save them and use them for other great rewards such as merchandise.

You’ll earn 1 ThankYou point on every dollar of purchases, but for dining an entertainment purchases you’ll earn 2 ThankYou points for every dollar you spend. Points never expire and you can earn unlimited ThankYou points.

Feel free to travel the world with this credit card. It has Chip Technology for global acceptance.

As an amazing kicker, this card has no annual fee!

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As with any card, please read all of the fine print and details on the application before you sign up. You need to completely understand the details to ensure you get your rewards!

Keep These Thoughts In Mind When Considering a Credit Card

Credit cards can be great tools and make you a ton of money, if, and only if you play the game correctly. I ALWAYS pay my credit card off in full every month and you should too. If you can’t do this I would suggest against getting credit cards.

If you have a problem with debt and/or credit cards I would suggest you not sign up for new cards. The cash back benefits do not outweigh the interest charges you will pay.

Credit card interest rates are normally higher than most other loans and the interest can add up fast. Don’t say I didn’t warn you…

What sign up bonus credit cards have you used in the past? Are there any other offers I should be aware of or add to my list? I’d love to hear your input below in the comments!

The information in the article is accurate to the best of my knowledge as of February 20, 2014. It will be periodically updated as offers change. As with any offer, make sure to read all of the details on the application site as those are the terms and conditions that will govern any credit card you sign up for. What you have read here is simply a summary and does not contain all terms and conditions.

photo by: AMagill

Best Gas Credit Cards – February 2014

Best Gas Credit Card Follow Me on Pinterest

Painful Gas Prices

Do you have to commute or drive long distances often? High gas prices can do some major damage to your wallet. Luckily, if you have the right credit card you can earn cash back on gas purchases.

Sometimes, you can earn up to 5% cash back on all of your gas purchases. That will take a little bit of the sting away. Especially when you do a lot of driving, like I do around the holidays every year. Check out the best gas credit cards listed below.

Costco American Express Credit Card

Costco American Express Gas Credit Card Follow Me on Pinterest The Costco American Express credit card offers 3% cash back at US gas stations and on gasoline at Costco. You’ll only earn the 3% on up to $4,000 per year in purchases, then you’ll earn 1% cash back on the rest of your gas purchases for the year.

In addition to the gas rewards, this credit card offers 2% cash back at US restaurants, 2% cash back on eligible travel purchases (including at Costco) and 1% cash back on all other purchases (including any other Costco purchases).

If you have a Costco membership then this credit card has no annual fee.

American Express Blue Cash Preferred Credit Card

Blue Cash Preferred Gas Credit Card Follow Me on Pinterest The American Express Blue Cash Preferred credit card offers 3% cash back at US gas stations year round. In addition to the gas rewards, there are some other amazing cash back categories.

The credit card also offers 6% cash back at US supermarkets (up to $6,000 per year in purchases), 3% cash back at select US department stores and 1% cash back on all other purchases. Of course, terms and limitations apply.

There is also a sign up bonus on this credit card of 100 Reward Dollars after you use your new Blue Cash Preferred card to make $1,000 in purchases within the first 3 months.

The cash back you earn will be issued in the form of Reward Dollars that can be redeemed as a statement credit.

This credit card does have a $75 annual fee, but the 6% cash back at grocery stores can make up for it quickly.

American Express Blue Cash Everyday Credit Card

blue cash everyday gas credit card Follow Me on Pinterest If you don’t like annual fee credit cards but like the Blue Cash Preferred Card, the Blue Cash Everyday card has no annual fee.

Cash back is earned as follows for the Everyday card:

  • 2% at US gas stations
  • 3% at US supermarkets (up to $6,000 per year in purchases)
  • 2% at select US department stores and
  • 1% on other purchases

The Everyday card offers a 50 Reward Dollars sign up bonus after you use your new Blue Cash Everyday Card to make $1,000 in purchases within the first 3 months.

Just like the Preferred card, terms and limitations apply and cash back will be issued in the form of Reward Dollars that can be redeemed as a statement credit.

BankAmericard Cash Rewards™ Credit Card

bank americard gas credit card Follow Me on Pinterest The BankAmericard Cash Rewards™ credit card offers 3% cash back on gas purchases and 2% cash back on grocery store purchases for up to $1,500 in combined grocery store and gas purchases each quarter. You’ll earn 1% cash back on all other purchases.

The credit card comes with a sign up bonus of $100 in cash rewards after you spend at least $500 on purchases in the first 90 days of account opening.

You can also get a 10% customer bonus when you redeem the cash back you earn into a Bank of America® checking or savings account.

This credit card has no annual fee.

Chase Freedom Credit Card

Chase Freedom 5 percent cash back Follow Me on Pinterest Currently, the Chase Freedom credit card only offers 1% cash back on your gas purchases. However, the credit card has rotating 5% cash back categories which sometimes include gasoline purchases and in 2014 you’ll get 5% cash back in January through March and July through September. Check and see what the current Chase Freedom 5% cash back categories are.

In addition to your regular cash back, you’ll earn a $100 cash back sign up bonus after you make $500 in purchases in the first 3 months from opening your account.

There is no annual fee for this credit card.

Discover It Credit Card

discover-it-credit-card Follow Me on Pinterest Like the Chase Freedom credit card, the Discover It credit card only currently offers 1% cash back on your gas purchases but this credit card does have rotating 5% cash back categories which sometimes include gas.

This credit card has no annual fee.

If you don’t spend a ton of money on gas, there could be better credit cards out there for you. Feel free to check out my current list of best sign up bonus credit cards or my list of the best 0% balance transfer credit cards.

Be Careful With Any Credit Card

Credit cards are great tools, but they can cause great suffering too. Make sure to always pay off your credit card balance in full every month. There are no rewards out there that I’m aware of that are worth paying interest for.

Keep in mind that credit cards have higher interest rates than most other types of debt. Don’t say I didn’t warn you…

What’s your favorite gas credit card? Have I missed any that make the top of your list?

The information in the article is accurate to the best of my knowledge as of February 4, 2014. It will be periodically updated as offers change. As with any offer, make sure to read all of the details on the application site as those are the terms and conditions that will govern any credit card you sign up for. What you have read here is simply a summary and does not contain all terms and conditions of any credit card.

photo by: brownpau