5% reward card

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EVERYWHERE
1) GM MasterCard •Reward Limit: None •Redeem For: New GM Cars only •

5% back on purchases everywhere, with no limit. All goes toward the purchase/lease of a new GM. While you can earn as much as you want, you are limited to a relatively low maximum rebate for each car.

GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
2) Chase REWARDS PLUS Visa

•Bonus: None active •Reward Limit: $750/yr •Redeem For: Cash, GC, Travel, Merchandise •Increment: $100
This card may be disappearing soon, but as far as I know, applications are still being accepted over the phone. Call 1-800-432-3117 to apply of follow the link. The high annual reward limit means you can spend up to $15,000 on Everyday Purchases per year while earning 5%. I like the rewards better than Chase Cash Plus because of the higher reward limit and the expanded redemption choices, but there is no bonus with this card. You may no longer switch to this reward program from another Chase card.


GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
3) Chase CASH PLUS Rewards MasterCard OR 4) Visa

•Bonus: $50 (MC) •Reward Limit: $300/yr •Redeem For: Cash, GC

This card may be gone. There are no longer any active links to apply as far as I know. Try calling to ask for the card. If you learn anything more, let me know. This is a great card despite its relatively low reward limit. You can cash out your points at full value after only $50 in accumulation. If you are looking for just one 5% reward card and think you'll max out these rewards quickly, you'd be smart to sign up for Rewards Plus instead.


GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
5) HSBC Direct Rewards Platinum MC  •Bonus: None •Reward Limit: $500/yr •Redeem For: Cash

You can spend up to $10,000 on Everyday Purchases before maxing out the rewards. If you are a one-card type person, don't make it this one.... You only earn .05% on your first $3,000 in non-Everyday Purchases. On the otherhand, if you use this only where you earn 5%, it is a pretty good card, just be aware that your reward comes only once a year.


GAS, SUPERMARKET, DRUG STORES (Everyday Purchases), US POST OFFICE, RESTAURANT, CELL BILL, HILTON FAMILY HOTELS
6) Hilton HHonors Platinum AmEx •Bonus: 10-20,000 pts. •Redeem For: Hotel Stays •

The rewards of this card are only valuable toward Hilton-family hotel stays, but the broad earning capability makes up for that shortcoming. You'll earn 5 points per $1 spent in the listed categories, and 3 points everywhere else. The value of a point is somewhere between .5 to 1.4 cents depending on how you redeem your rewards. It is may not your best Everyday Purchase card, but the 5 points at on USPS, Restaurant, Cell, & Hilton purchases are excellent. Sign up now for 10,000 bonus point with your first purchase, and up to an additional 10,000 bonus points by staying at Hilton. Looking for a hotel card? Look at Starwood as well.


GAS, SUPERMARKET, DRUG STORES (Everyday Purchases) and AT&T PURCHASES
7) Citi AT&T Universal Rewards MC
•Bonus: $100 •Reward Limit: $750/yr •Redeem For: GC, Travel, Merch

IMPORTANT: I am unsure if 5% rewards still extend to Everyday Purchases and if so, whether or not it is limited to 1 year. There are some inconsistencies in the fine print of this card.... Please call to verify the terms before applying. This card is part of the ThankYou network and created to compete with Chase Rewards Plus. Chase's cards are generally a better value if you are looking for cash rewards. Citi is great to use points for tuition payments, travel rewards, etc.




GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
10) AmEx Blue Cash
•Bonus: $50 •Reward Limit: None! •Redeem For: Cash •
The catch is that you only earn 5% after your first $6,500 in total spending per year. If you don't use credit a ton, this isn't a good choice. If you already use AMEX a bunch, and/or if you'll find yourself maxing out the rewards on the other cards in this list quickly, this would be an excellent pick. After your initial $6,500 in spending per year, you'll earn 5% on Everyday Purchases and an excellent 1.5% elsewhere up to $50,000 in total spending. Now three smiley's because this card will probably the least likely 5% reward cards to disappear since it encourages consumer spending in all purchase categories. On gas and car repair services for the first $1,200 in gas purchases per year. There is (was?) another program which earned reverse tier rewards. 5% to $1,500, 3% for the next $1,500, and then 1%. Ask about this instead. The low limit and limited reward area hurts, but a benefit is that you can more than 5% back by redeeming points for gift cards rather than cash. You'll get 6.25% back if you redeem points for gift cards to everyday type retailers (Gap, Borders, ACE) and 10% to more exclusive places (Sharper Image, Cruises, Hyatt)


GET MORE PURCHASES
13) Discover Platinum
•Bonus: None •Annual Limit: See Summary •Redeem For: Cash, GC**
Get more Purchases are are rotating promotions in which you get 5%** back in whatever area the promotion covers. You don't really know what they will be until about a month before the promotion starts. You must sign up each promotion. They change every 2-3 months. Promotions can be very valuable. Currently you save 5% on back to school supplies at office stores, Linens N Things, and Kohls etc.


RESTAURANTS, BOOKSTORES, RECORD STORES, MOVIE THEATRE, MOVIE RENTAL STORES
14) MtvU Visa from Citi
•Bonus: None •Reward Limit: $750/yr •Redeem For: GC, Travel, Merch
Okay, admit it.... you thought about enrolling in community college just to get this card. Its great because of the broad 5% earning capability. You will not get the full value of the rewards if you redeem as cash (<5%). Part of Thank You.


GAS, OFFICE SUPPLIES, UTILITIES, COMPUTER EQUIPMENT, CELL PHONES, INTERNET
15) Advanta Platinum BusinessCard MC
•Bonus: None •Reward Limit: $300/yr, $25/month
The great thing about this card is its broad 5% earning potential. Too bad that it is just for businesses and the limit is low.... otherwise it might receive a higher rating. More about the card is on this


OFFICE SUPPLIES
16 Discover Business Card
•Bonus: None •Reward Limit: None •Redeem For: Cash, GC •Increment: $20
While this card has a limited reward area, the non-existant reward limit is a nice feature. You will also earn 2% back on Gas, and up to 1% on all other purchases. If you are going to max out your Avanta business card (above) this might be a good one to suppliment.


LIMITED TIME Reward Offers.
These cards give 5% or more for a limited number of months.

INTERNET, TELECOM, CABLE, SATTELITE TV & RADIO, UTILITIES
17) Citi Home Rebate Platinum Select MC
•Bonus: None •Annual Limit: None •Redeem For: Mortgage Payment
This card offers 6% rewards for one year, redeemable toward any mortgage and no earning cap. The broad and unique earning potential, plus the extra 1% really make this card a great value. Too bad the mortgage doesn't go away in 12 months like the benefits of this card.


GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
Chase Visa Flexible Rewards
•Bonus: $50 •Annual Limit: 60,000 pts •Redeem For: Cash, GC
This is a relatively new offer from Chase. Flexible Rewards has been around a while, but this 6 pt offer is pretty new. It sounds like you'll earn 6 points per $ on Everyday Purchase for the first year..... BUT it appears that 6,000 pts = $50. So while you earn 6 points per dollar, 6 points still equals 5% on everyday purchases. For right now, I don't see a reason to get this card over Chase Cash/Rewards Plus. If you know anything else about this card, please let me know.


GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
18) Citi Driver's Edge Platinum Select MC

•Bonus: None •Reward Limit: $1,000/yr
Earn 6% for 12 months, and then 3% thereafter. You will also earn 1 cent for every mile you drive. The extra penny and 1% probably isn't worth more than other card's $50-100 signing bonus, so I won't recommend this.


GAS, SUPERMARKET, DRUG STORES (Everyday Purchases)
19) Citi Diamond Preferred MasterCardOR 20) American Express
•Bonus: $100 •Reward Limit: $750/yr •Redeem For: GC, Merchandise, Travel
For the MC, look for active bonus codes For the AMEX, the bonus is automatic. 5% is limited to 1 year.


GAS
21) PerfectCard MasterCard from Chase
•Bonus: None •Reward Limit: None •Redeem For: Statement Credit
This card came before Cash and Rewards plus, and there isn't much of a reason for it anymore. Just 6% on gas for 90 days, then 3% thereafter. Your rebates are automatic.

22) Circuit City Visa- 5% @ Circuit City. 1% elsewhere. Redeem for GC's.
23) Shell Gas MasterCard- 5% @ Shell and Jiffy Lube, 1% elsewhere. $20 annual fee, waived for the first year, and for frequent use.
24) Marathon Gas MC- 10% @ Marathon for 60 days, then 5%. 1% elsewhere. $25 GC bonus.
25) Hess Gas Visa- 10% @ Hess for 90 days, then 5%. 1% elsewhere.
26) Banana Republic Card 5% at Banana, Gap, & Old Navy. Can't be used anywhere else.
27) Hooters Mastercard- 5 points w/ Hooters, 1 point elsewhere.
28) Continental Airlines MC 5% off CO fares for 1 year, $65 annual fee.
29) AAA Rewards Visa Look on your region's site for current offer (generally 5% on gas)
30) Choice Hotels Visa Earn 15 points per $ at Sleep, Comfort, Quality, Clarion, & Mainstay. 2 points elsewhere.
31) Marriott Rewards Visa Signature 5 points at Marriott, 2 for travel, 1 elsewhere.
32) REI Visa Up to 10% back on REI, 1% elsewhere.
33) BP Rewards Visa $75 bonus, double rebates for 2 months, then 5% @ BP, 2% Dining, Airline, Car Rental, and lodging, 1% elsewhere.
34) Mercedes Benz Visa 5 pt/$ spent @ M.B. dealerships and on merchandise.
35) Citgo MC by Citi Unveiled Aug. 1, this card offers a whopping 20% discount at Citgo for 60 days, then 4% after that. If you are planning a long road trip soon, that could save you a big chunk of money.
36) Sinclair MC by Juniper For 60 days you'll earn 7% at Sinclair, 2% elsewhere and then 5%/1%.