Editor's Note: Thank you for your interest, these offers have expired and are no longer available.
Even though many of the leading cash back credit cards now include seasonal bonus offers, relatively few cardholders get to max out their earnings. Those offers require you to sign up every three months, and your purchasing habits may not always line up with that quarter's featured categories.
If you'd prefer a cash back card that doesn't require you to think like an extreme couponer, check out some of these offers:
Blue Cash Preferred® Card from American Express. As the Holy Grail of cash back cards, only a chosen few will have credit scores high enough to qualify for its cash back offer on purchases of 6 percent cash back at US supermarkets up to $6,000 per year in purchases, 3 percent cash back on gasoline at US gas stations and 3 percent cash back at select US department stores, 1 percent cash back on other purchases. There is a $75 annual fee and cash back is received in the form of Rewards Dollars that can be redeemed as a statement credit. Terms and limitations apply. If you've got the credit score of a mere mortal, you'll likely still qualify for this card's little cousin, the Blue Cash Everyday® Card from American Express. This card has a cash back offer: 3 percent at US supermarkets, up to $6,000 per year in purchases, 2 percent cash back on gasoline at US gas stations and 2 percent cash back at select US department stores, 1 percent cash back on other purchases. And no annual fee. Terms and limitations apply. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Terms and restrictions apply.
BankAmericard Cash Rewards Credit Card. If you keep hearing Kiefer Sutherland chant "one, two, three" in your head, it means the ad campaign's working. Bank of America has relaunched its classic credit card brand as a cash back credit card, offering 2 percent cash back at grocery stores and 3 percent on gas at the pump for the first $1,500 in combined gas and grocery purchases each quarter, and 1 percent everywhere else. You need excellent credit to be considered for this card. There is no annual fee.
Just remember that cash back credit cards often carry higher annual fees and APRs than their "plain Jane" counterparts. If you focus all your household spending through a single card and pay off your balance every month, you'll get the most from whichever rewards credit card you choose.