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Best Cash Back Credit Cards for April 2012

One of the ways that you can maximize your finances is to make use of cash back credit cards. These are credit cards that provide you with the ability to earn cash back on your purchases. Hundreds of these cash back cards exist, and many of them stop at providing you with 1% cash back on all your purchases. However, there are cards out there that offer better cash back deals — even promotional sign up bonuses.

As you consider which card might be best for your lifestyle, here are a few cash back credit cards offering great deals this month:

Chase Freedom MasterCard

You have to different options with the Chase Freedom MasterCard. There is one offer, where you can receive $200 bonus cash when you sign up and spend $500 in the first three months. The other version is the $100 bonus cash offer (spend $500 during the first three months) that comes with a 0% intro APR. The intro period is one year for balance transfers and six months for purchases.

The Chase Freedom card is a 1% card for all purchases, but you receive 5% cash back on rotating categories throughout the year. Plus, you can get additional cash back (up to 10%) when you shop online through Chase, frequenting specific merchants.

Blue Cash Everyday® Card from American Express

This card comes with a sign up bonus, but you need to spend $1,000 in the first three months to get your 100 Reward dollars.

Citi® Dividend Platinum Select® Visa® Card

For the most part, you will receive 1% cash back on this card for your purchases. However, you can also earn 5% cash back on rotating categories. Keep up with which categories are earning more, and you could improve your ability to earn cash back. There is also a promotion with this card, offering you $100 back once you spend $500 during the first three months. Unfortunately, though, the Citi Dividend Platinum Select Visa caps your cash back at $300 a year. However, you do get a full year of interest-free balance transfers and purchases.