If you could use some free cash — and who couldn’t? — the Nerds have put together a stellar pairing of cash-back credit cards. The Discover it® Cash Back and Citi® Double Cash Card – 18 month BT offer offer high cash rewards, no annual fees and sweet shopping perks. Together, they’ll help you maximize your rewards.
Get 5% cash back with the Discover it® Cash Back
The Discover it® Cash Back offers 5% cash rewards on quarterly rotating categories (up to $1,500 spent per quarter). Bonus categories must be activated quarterly to qualify for the higher rate. The current categories are:
|Discover bonus rewards categories for 2019|
|Q1 (Jan. 1 – March 31)||Grocery stores|
|Q2 (April 1 – June 30)||• Gas stations
• Uber and Lyft
|Q3 (July 1 – Sept. 30)||• Restaurants
|Q4 (Oct. 1 – Dec. 31)||• Amazon.com
• Target (in store and online)
If you spend more than $1,500 on bonus categories per quarter, and for all other purchases, you’ll be rewarded at a rate of 1%. The Discover it® Cash Back has an annual fee of $0 and no foreign transaction fees. It offers an introductory APR of 0% on Purchases and Balance Transfers for 14 months, and then the ongoing APR of 14.24% - 25.24% Variable APR.
Citi® Double Cash Card – 18 month BT offer: Rewards, twice
The Citi® Double Cash Card – 18 month BT offer pays card customers 1% cash back when they make purchases and another 1% when they pay them off. (Now that’s an incentive to responsibly pay off your balance!) Cash back can be redeemed in the form of a statement credit, gift card or check, starting at $25.
As a cardholder, you’ll enjoy Citi-branded perks like Citi Price Rewind. If you register your purchases, Price Rewind will search for a lower price online for 60 days. If a better deal is found, you can request a refund for the price difference.
The Citi® Double Cash Card – 18 month BT offer has an annual fee of $0 and an introductory APR of 0% on Balance Transfers for 18 months, and then the ongoing APR of 15.99% - 25.99% Variable APR.
How to maximize your rewards
Make the most of your cash back rewards by using the Discover it® Cash Back for 5% bonus category purchases and the Citi® Double Cash Card – 18 month BT offer for 1% on everything else you purchase and 1% when you pay it off. You’ll need to register with Discover it® Cash Back each quarter to take advantage of the higher rewards.
Bottom line: Earn cash rewards like a rock star with the Discover it® Cash Back and Citi® Double Cash Card – 18 month BT offer cards. Use the Discover it® Cash Back to get 5% back on quarterly bonus categories and the Citi® Double Cash Card – 18 month BT offer to earn extra rewards for responsible credit card usage.