This credit card offers a 0% introductory rate on purchases for the first six months. For balance transfers, you get 4.99% for the life of the balance transfer. The regular apr rate is as low as 13.24%. Plus there is no annual fee.

Whether you choose to carry a blance or not, you can earn up to 5% cash back with the American Express Blue Cash Credit Card. What's more, you can cash back even faster at the places you may frequent the most like supermarkets, gas stations and drugstores. There's no minimum so you can start earning cash back right away.

The offer is carefully worded ?up to 5% cash back?. You can only earn 5% cash back at gas stations, super markets and drug stores. On other purchaes you can only earn up to 1% cash back. There is also limited cash back for your first $6500 in annual purchases. For this introductory period, you earn 1.5% cash back at gas stations, drug stores and super markets. Other purchases earn 0.5% cash back for the first $6500 in annual purchases.

Pay your regular monthly bills automatically with Blue Cash and start earning cash back on everything from telephone and cable bills to parking and transportation expenses. Your savings could add up a lot. Within a few months you could easily reach $6500 in purchases and start earning 5% cash back on everyday purchases. You can request fee-free additional cards to earn even more cash back.

If you have a business, you can apply for the Blue Cash for Business Credit Card and save on all your business purchases. A business using credit cards for its purchases could earn a lot of cash back.

The Blue Cash Card from American Express is an ideal cash back credit card for someone with good or excellent credit. You can qualify for very low rates and earn unlimited cash back.