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There are several types of cash back bonus credit cards. Don't be fooled thinking there is only one type and that all cash back credit cards are alike. First of all, there is your basic 1% cash back credit card which essentially rebates you 1% for every dollar that you spend. Think about it, that's 1 cent returned on every dollar that you spend. Not a whole lot but better than a kick in the behind. Some specific examples of this type of card might be the Chase Free Cash Rewards Card, the Bank of America Effectiva Visa, or the Bank of America Financial Rewards Card. Then there are credit cards that give you in excess of 1% cash reward when you purchase certain categories of merchandise. The rebates usually run anywhere from 2% up to 5% on particular goods such as prescription drugs, utilities, gasoline, restaurants, travel and a few others. On purchases of other items not included in the "special" categories, the best cash reward is 1%. An example of this type of cash rebate credit card might be the Chase Freedom Cash Visa. Chase is also giving new cardholders $50 in cash bonus and an extra $50 in cash rebates for every $200 in rebates that you earn and redeem. Another example would be the Blue Cash card from American Express which, it seems, pays 1 ½% on the "regular" purchases after your annual spending exceeds $6,500. With the Blue Cash, your rebates are unlimited. There are also tiered rebate cash back credit cards which pay varying rates of rebate rewards depending on how much your annual spending rate is. The more you spend, the higher the rebate rate. Some great examples of this type of cash rewards card are the Discover More Card and the American Express Blue Cash Card. Finally, there are what are deemed the hybrid cash back credit cards. These types of cash back rewards cards have either cash rebate rewards or regular non-cash rewards OR both. Some typical examples of these types of credit cards with both cash rewards and regular rewards would include the Chase Freedom Card, the HSBC Platinum MasterCard with cash or fly rewards and the Discover More card. In order that you can get the most out of your cash rewards credit card there are some important things that you must keep in mind. Look in the "terms and conditions" section of each credit card's online application BEFORE you sign up for any kind of cash back rewards credit card. Look for information that informs you how the rebates are paid (checks, miles, direct deposit or other rewards), how frequently they're paid (once a year, once a month, quarterly) and how much you can earn in one calendar year. Some cash back credit card offers actually limit that amount. Be cautious! What's the best cash back credit card for you? Here's a great way to determine that: First of all you need to separate all of your expenses into their various categories such as utilities, wireless bills, restaurants, groceries, medications, travel, etc. You then simply calculate which cash back credit card will pay you the highest rate and which is the best cash rebate credit card for you by using the cash back credit card calculator. This is a very simple process and will be extremely helpful to you if you are trying to locate the best cash back credit card offer available that suits your particular needs. The calculator also allows you to determine the best combination of cash back or rewards cards to give you the best return on your dollar for each type of situation in which you may use your cash rewards card. 