Best ''money back'' credit card

Discover it Chrome Card. The Discover it card is also expected to be one of the best cash back deals on the planet in 2015. Get 0-percent APR for 14 months and foreign transaction fees will never appear on your bill. The Discover it Chrome card accrues 2-percent cash back every quarter on purchases like dining out and gas; anticipate 1-percent cash back on other purchases. Shop more than 200 targeted online merchants selected for account holders by Discover and reap more benefits: 5- to 20-percent cash back. That’s huge. Consumerism Commentary named this card “editor’s choice,” so you can take that to the bank if you want a recommendation.

BankAmerica Visa Card. If you abhor restrictions that come with some cash back cards, 2015 could be your year to forget about them if a BankAmerica Visa lands in your wallet. Get 15 months at 0-percent interest during each billing period, so if you need an excuse to buy something, there it is. Further, this rewards program is flexible and creative: it pairs with cash deposited in your BoA savings or checking account, so if you must shift funds in an emergency, you can use your card to make sure you never make a late payment. There’s even a $25-per-quarter cash reward tied to the card that kicks in each time you pay more than your minimum balance, so if that’s not incentive enough, you may not really need a cash back-rewards card in 2015.

The PenFed Platinum Cash Rewards Visa Card comes in two forms: the Plus version, paying a 5-percent cash back reward on fuel purchases and no annual fee if you qualify–and the Standard version that awards you 3-percent at the pump a comes with a modest $25 annual fee. Once upon a time, you could only get a PenFed card (Pentagon Federal Credit Union) if you were a member of the government, armed forces or organizations like the American Red Cross, but all that’s changed since wars have ended and soldiers are returning stateside. Contribute to non-profits like the National Military Family Association or Voices for America’s Troops and you qualify as a credit union member, making you eligible for this cash back card in 2015 and beyond.