15 Best Cash Back Credit Cards of 2016 – Reviews & Comparison

When most people hear the phrase “credit card rewards,” their minds immediately turn to cash back rewards. And why not? Flip on the TV, navigate to your favorite website, or drive around your hometown and you’re bound to see an ad for a cash back credit card before long.

Cash back credit cards are popular because they provide tangible, easy-to-understand benefits. Who doesn’t like getting a credit on their monthly credit card statement – or, better yet, actual cash deposited into the account of their choice?

Not all cash back credit cards are created equal though.

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7 Best Secured Credit Cards to Rebuild Credit – Reviews & Comparison

How’s your credit these days?

If you’d prefer not to answer that question, you’re not alone. Millions of Americans have imperfect credit due to bankruptcy, foreclosure, crushing medical or student loan debts, and other financial black marks. A bad credit score can affect your ability to secure an affordable home loan, rent an apartment, get a cell phone, and even find a job. While credit counseling and debt management plans can help you repair your credit over time, there’s no magic cure.

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9 Best Low APR Interest Credit Cards – Reviews & Comparison

Generally, it’s wise to avoid carrying balances on your credit cards. Credit card balances quickly rack up interest charges, eating into your monthly personal budget and hampering your ability to save and invest. Over time, unpaid credit card balances could compel you to enroll in credit counseling, or even cause you to declare bankruptcy.

However, it’s sometimes impossible to avoid carrying credit card balances. For instance, if your car breaks down and you have no other way to get to work, charging the repair to your credit card is better than losing your job – even if you know it’ll take some time to pay off the balance.

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Southwest Rapid Rewards Premier Business Card Review – 50k-Point Bonus

The Southwest Airlines Rapid Rewards Premier Business Card from Chase is a small business credit card with a travel rewards program that favors frequent Southwest Airlines flyers. It’s closely related to the Southwest Airlines Rapid Rewards Premier Card, a consumer option that’s popular with individuals who frequently fly with Southwest.

Though the Premier Business card is definitely useful for heavy spenders and frequent travelers, it’s worth pointing out up front the $99 annual fee – and the lack of luxurious benefits, such as complimentary airport lounge access.

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Southwest Airlines Rapid Rewards Plus Card Review – 50k-Point Sign-up Bonus

The Southwest Airlines Rapid Rewards Plus Card is a travel rewards credit card with a $69 annual fee and a rewards program that favors frequent Southwest Airlines travelers. Its perks aren’t as luxurious as those of some competing travel cards, but its solid benefit lineup is nevertheless useful for cardholders who fly Southwest regularly – particularly those in the air often enough to qualify for Companion Pass status. If you live near a Southwest hub and need a no-frills airline credit card, the Southwest Airline Rapid Rewards Plus Credit Card is worth a closer look.

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Ritz-Carlton Rewards Credit Card Review – 2 Free Nights

The Ritz-Carlton Rewards Credit Card from Chase is an exclusive hotel rewards credit card with a $395 annual fee and an impressive slate of benefits for frequent travelers. It’s comparable to some of the most exclusive credit and charge cards on the planet, including the American Express Platinum Card, as well as high-end airline, hotel, and general travel rewards credit cards with high annual fees and generous benefits to match. It’s worth noting upfront that Ritz-Carlton is part of the Marriott hotel family, and the Ritz-Carlton Rewards program extends to the more than 3,000 hotels and resorts under the Marriott umbrella, so this card is more relevant and widely useful than the rarefied Ritz-Carlton name suggests.

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Hyatt Credit Card Review – 2 Free Nights at Any Hyatt Hotel

The Hyatt Credit Card from Chase is a hotel rewards credit card with a $75 annual fee and an attractive rewards program that favors frequent guests at Hyatt hotels and associated brands, including Hyatt Hotels & Resorts, Andaz, Hyatt Centric, and Hyatt Place, among others. Cardholders are automatically enrolled in Hyatt’s Gold Passport loyalty program, and cardholders in good standing automatically earn and keep Hyatt Gold Passport Platinum Status. Platinum’s many valuable perks include accelerated point earnings, complimentary room upgrades, and guaranteed room availability.

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Capital One® Spark® Miles Select for Business (Review) – Unlimited 1.5x Miles

Capital One® Spark® Miles Select for Business is a business credit card with no annual fee and a straightforward travel rewards program that accrues points (known as No Hassle Miles) on every purchase, every day. Miles can then be redeemed for virtually any type of travel purchase, including airfare, hotel stays, and car rentals. Unlike many brand-specific business travel cards, such as the Gold Delta SkyMiles Business Card, Spark Miles Select assigns a fixed value to earned miles: $0.01 per mile, no matter how it’s earned or redeemed.

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Capital One® Spark® Miles for Business (Review) – Unlimited 2x Miles

Capital One® Spark® Miles for Business is a business credit card with a $59 annual fee and a straightforward travel rewards program that earns an unlimited 2 points (No Hassle Miles) per $1 spent on every purchase, every day. Once accumulated, miles can be redeemed for airfare, hotel stays, car rentals, and other types of travel purchases. Whereas many brand-specific business travel cards, such as the American Express Gold Delta SkyMiles Business Card, assign variable values to their miles, Spark Miles’ points are always worth $0.01 apiece at redemption, regardless of the method used to redeem them.

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Capital One® Spark® Cash Select for Business (Review) – 1.5% Cash Back

Capital One® Spark® Cash Select for Business is a popular business cash back credit card with no annual fee and a simple rewards program that earns an unlimited 1.5% cash back on every purchase, every day. Like many other business credit cards, it offers some useful benefits for business owners, such as free employee cards and spending reports.

Capital One Spark Cash Select for Business competes with a host of other business rewards cards, including Chase Ink Cash, Chase Ink Plus ($95 annual fee), American Express SimplyCash PlusAmerican Express Blue for Business, and U.S. Bank Business Edge Cash Rewards, among others.

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