When it comes to selecting cash back credit cards, there are various alternatives available. However, it is a great idea to request credit score, before applying for any type of card. It will offer you an ease to check any discrepancies present in credit report, so that you can rebuild your credit score over the period of time. It is essential to recognize that each credit card comes with different features and cash back offers with different interest rates attached. Therefore, your focus must be on meeting the requirements on monthly basis, to make sure you get optimum benefits out of your cash back credit card. Here is the comparison of features and charges associated with cash back credit cards of different companies-

• Discover Motiva Card: This card offers cash back rewards without any redemption and annual maintenance fee. It charges 0% introductory fees on balance transfer and purchases made for initial 15 months. After this period, interest rate applies from 10.99% to 20.99%. If customer commits any online transaction through Discover Motiva Card, then he can avail cash back bonus up to 20%. The card provides 24/7 accessibility to US based account manager in less than 60 seconds. Customers can get automatic email and mobile alerts after doing transactions using this credit card.

• Capital One Cash Back Card: This card offers 1% cash back on every purchase. Customers can avail unlimited cash back rewards which don’t get expire. Card provides $100 bonus after spending $500 in initial 3 months. Customer can redeem his reward points anytime or even opt for an option of auto-redemption. Capital One Cash Back credit card offers 50% bonus on cash back customer earns every year.

• True Earnings Card from Costco and American Express: The credit card provides 3% cash back for the initial gasoline purchases of $3,000, 2% for travel, 2% for restaurants and 1% on other purchases. It doesn’t charge intro APR for initial 6 months after that it may vary according to the scheme. There are no any balance transfer and annual maintenance charges attached to it.

Before enrolling for any of the above cash back credit cards, make sure that you examine all the term and conditions vigilantly. If you possess above average credit rating, you won’t face any trouble in getting eligible for these cards.