Author Archives: ccwatcher

Best Cash Back Credit Cards – 2013

Cash Back Cards

What are the best cash back credit cards?If you’re looking for the best cash back credit cards available today, you’ve come to the right place.

Below you’ll find a list of only the best offers in the most complete, unbiased review of cash back cards that you’ll find anywhere. While many of the cards that made the cut this year also appear on last year’s list, there are a few new additions. In particular, the top two cards on this year’s list are among the newest offers. Read on to get all the details.
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Amex Cardmembers: Spend $599+ At Dell, Get $150 Back + More Deals

American Express

Amex / Twitter Dell DealAmex is rolling out a new wave of deals, including one for Dell that is better than ever. Under this promo, you’ll receive a one-time $150 statement credit when you spend $599 or more at Dell.com by December 31, 2012. To receive your credit, you must first register for the promo, then make an eligible purchase with your registered American Express card. You can register for this promo either through Twitter using hashtag #AmexDellOffer (details here), through the American Express iOS app, or by logging into your American Express account online under the “My Offers” tab.

There are also a number of other deals currently active:
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Small Business Saturday Returns – Get $25 for Spending $25 at a Small Business on Nov. 24

American Express

Small Business SaturdayThe wildly successful American Express-created holiday, Small Business Saturday, returns this year on November 24, 2012. Promoted as a counterpart to Black Friday and Cyber Monday, Small Business Saturday encourages consumers to support small, local businesses with their holiday shopping. And once again, American Express will be rewarding its cardmembers who back the cause by issuing a $25 statement credit to those who spend at least $25 in a single transaction on their Amex at a qualifying small business location on November 24, 2012.
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CFPB Proposes Changes to Make it Easier For Stay-At-Home Spouses to Get Credit

General

Consumer Financial Protection BureauThe Consumer Financial Protection Bureau (CFPB) recently proposed a new rule that would remove a provision of the CARD Act that currently makes it difficult for stay-at-home spouses or partners to obtain credit. Under present regulations put into place in October 2011 as part of the CARD Act, a card issuer generally may only consider an individual card applicant’s income and assets when making a decision on whether to grant credit. The proposed rule would allow credit card issuers to ask card applicants 21 and over for income to which they have a “reasonable expectation of access,” which could include household income, and to remove all references to the “independent” ability to pay.
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