8 Credit Cards That Can Pay You To Spend

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No one minds a little extra cash in their pocket. Whether it’s to spend on that jacket you’ve been eyeing for a while, a nice dinner out or something else. To help you do just that, we’ve rounded up eight worthy credit cards that fit two simple conditions to help you make some extra cash while, potentially, doing nothing more than your regular spending.

First, we’re looking for noteworthy cashback programs on each dollar spent so you’re actually making money while spending money. There are credit cards that offer up to 10% in cashback, essentially making $100 for every $1,000 you spend.

Second, narrowing our picks of credit cards to only those that have an intro offer of 0% APR for at least 12 months and no annual fee.

Between these conditions, our goal is to put you in a position where you’re using credits cards and earning on cashback programs while not spending on interest or annual fees. Just make sure the credit card is paid off when the interest is about to kick in.

Read below to see our picks that fit the above bill.


Capital One® SavorOne® Cash Rewards Credit Card

Image Credit: Capitalone.com

Capital One® SavorOne® Cash Rewards Credit Card

First up on our list is the Capital One® SavorOne® Cash Rewards Credit Card. Cardholders earn 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.

So if you’re big on cooking or eating out then this is an ideal card. Additionally, new cardholders can earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

Overall the card offers a 15-month, 0% introductory APR on purchases and balance transfers. After that, the card has a 16.24% – 26.24% (Variable) APR.


Image Credit: Discover.com

Discover it® chrome

Next up is the Discover it® chrome card. Holders can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cashback on all other purchases – automatically.

While the applications here are limited, this is an ideal card for someone who has a long commute or travels via car a bit. Discover does offer to automatically match all the cashback you’ve earned at the end of your first year.

Discover it® chrome card offers new members a 14-month, 0% introductory APR on purchases and balance transfers. After that, the APR is 13.99% – 24.99% Variable.


Image Credit: Chase.com

Chase Freedom®

Chase Freedom card gives the Discover Credit Cards a run for their money. The Chase Freedom card offers 5% cashback on up to $1,500 in combined purchases in bonus categories activated each quarter. You can earn an unlimited 1% cashback on all other purchases.

Additionally, when you spend $500 within three months of opening your account, you’ll earn a $150 bonus.

As an extra perk, all new purchases made on the Chase Freedom card are protected against damage or theft up to $500 per claim and $50,000 per account for 120 days after purchase. The card also offers other benefits, including extended warranty coverage and zero-liability.

Chase Freedom® offers a 15-month 0% introductory rate on purchases and balance transfers. After that, the APR is 16.99% – 25.74% Variable.


Image Credit: CapitalOne.com

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card is a great option to earn cash back on your purchases. It offers 1.5% on every purchase, every day. No rotating categories or sign-ups needed.

Additionally, after you spend $500 on purchases within 3 months from account opening, you’ll earn a $150 bonus.

The card offers 0% intro APR for 15 months; 16.24% – 26.24% variable APR after that. A 3% fee on the amounts transferred within the first 15 months applies.


Image Credit: Bankofamerica.com

Bank of America® Cash Rewards credit card

Bank of America® Cash Rewards credit card offers a 3% cashback in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cashback at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.

The introductory offer on the card of 0% APR runs for the first 15 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After the intro APR offer ends, a Variable APR that’s currently 15.99% to 25.99% will apply. A 3% fee (min $10) applies to all balance transfers.

With no annual fee and a 25%-75% rewards bonus on every purchase for Preferred Rewards members, this card is a series contender in helping you earn while shopping.


Image Credit: Americanexpress.com

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express card offers 3% cashback at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Additionally, it also offers 2% cashback at U.S. gas stations and U.S. department stores. Finally, 1% cashback on all other purchases.

The intro offer of 0% APR for 15 months on purchases and balance transfers, is quite competitive. After the 15 month period, the rate sets between 15.24% to 26.24%.

Similar to most cards above, there is no annual fee.


Image Credit: Discover.com

Discover it® Balance Transfer

Discover it® Balance Transfer offers is very similar to the Discover it Cash Back. Cardholders can ear a 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Just like the other two Discover cards, Discover will match all the cashback you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.

Finally, there is no annual fee.


Image Credit: Discover.com

Discover it® Cash Back

The first card worth a look on our list is the Discover it Cash Back which offers a 14-month, 0% introductory APR on purchases and balance transfers.

With this card, you can earn 5% cashback at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cashback on all other purchases – automatically. Additionally, Discover will automatically match all the cashback you’ve earned at the end of your first year.

So if you use the card for the right items, you can earn up to 10% cashback on some purchases. for the first year With no annual fee or the introductory offer that has the interest rate at 0% of 14-months, upside looks really good.

After the 14-month, 0% introductory APR ends, there is a 13.99% – 24.99% Variable APR on purchases and balance transfers.

7 Great Facts That Are Simply Not True


PHOTO CREDIT: Flickr: Manuel Faisco
In a world full of myths and made up facts, it’s easy to confuse the two. What maybe perceived as common knowledge may in fact simply be a myth. Here are seven made-up facts floating around but are actually nothing short of being completely false.

Lightning doesn’t strike the same place twice


PHOTO CREDIT: Flickr
How many times have you heard the common idiom about lightning never striking the same place twice? The idiom is used to imply that once a misfortune occurs, it will never happen again. However, the saying has nothing to do with lightning bolts. Lightning is basically a massive electrostatic discharge looking for a way to reach the ground. It’s not bothered whether or not it has hit the grounding spot before. As a result, tall objects including skyscrapers and trees are often the preferred targets simply because they provide a shorter distance between the lightning’s origin and the ground. Tall trees in forests are struck by lightning repeatedly in a storm. If you still believe lightning does not strike the same place twice, ask the Empire State Building which is struck around 100 times every year.

The Great Wall of China is the only man-made structure seen from space


PHOTO CREDIT: Flickr: Michael Levine-Clark
This is a made-up fact that’s largely inaccurate because the boundary between Earth and space is relative. If you considered space to be the International Space Station, which is 250 miles away, you’ll see many other structures besides the Great Wall of China. If space means what you see from the moon, then you’ll hardly see anything but light clusters from large cities.

A penny dropped from a skyscraper can kill you


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You may have heard that a penny flung from the top of the Empire State Building to the sidewalk below will kill anyone it hits. This is not entirely true. A penny weighs around 1 gram and thus it’s lightweight. It has a flat circular shape, which doesn’t give it much aerodynamic advantage and would therefore tumble and flip all the way down. The penny’s low mass and a low terminal velocity would hardly do significant damage to the bystander. You’d feel an annoying flick but nothing lethal.

There is a dark side on the moon that we never see


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If you’ve always believed that there’s an invisible “dark side of the moon”, then do your research again. Technically, it doesn’t exist. It’s true that we can’t see the far side of the moon that’s not facing us because of the moon’s synchronous rotation but this side is never dark. When we see the new moon, which is just a small crescent, there’s a full moon on the backside that we can’t see. It is therefore not true that the side of the moon that we don’t see is always dark.

Everyone believed the Earth was flat during the Middle Ages


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The truth is that most scholars during this period knew the Earth was round. The flat Earth theory became prominent in the 19th century when evolutionary discussions created a divide between religious and scientific communities.

A swallowed gum takes 7 years to digest


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It doesn’t take 7 years to digest chewing gum. The fact is that, you barely ever digest it at all. Chewing gum is typically made of a gum base, sweetener, flavoring, preservatives and softeners. While our body breaks down sweeteners and flavoring, the gum base withstand both the acid in the stomach and the digestive enzymes in the intestines. So eventually it’s released as waste.

Fingernails and hair don’t stop growing after death


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For hair and nails to grow, we need to continue producing keratin that makes hair and nails grow. For that to happen, we need eat and digest nutrients. Typically hair and skin that grows post-mortem is a result of dead skin drying out and pulling away from nail beds and hair shafts.

9 Terrifying Sea Creatures


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The deepest point in the Pacific Ocean spans more than 1,500 miles and lies 36,000 feet below sea level, that’s 7,000 feet more than Mount Everest. Vast in its nature, unsurprisingly the ocean remains nearly 95% unexplored. What have discovered though reshapes our perception of what may live in the dark corners of this realm. It’s an unforgiving turf and is home to some of the fiercest creatures we’ve ever seen. We’ve compiled a list of nine sea creatures that are both interesting and terrifying at the same time. Make no mistake though, we’re only scratching the surface and there’s a whole lot more to be afraid.

Stargazer Fish

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Viperfish

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Goblin Shark


PHOTO CREDIT: WikiCommons

Ribbon Sawtail Fish

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Fangtooth Fish

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Stonefish

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Atlantic Wolffish

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Frilled Shark

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Giant Spider Crab

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6 Gothic Lolita Fashion On The Rise In Japan


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Elegant Gothic Lolita, also known as EGL, is a fashion subculture that began in the 90s. Inspired by the clothing brands like Pink House and Milk, the origins of the name remain unknown. Some believe that the book, Lolita, by Vladimir Nabokov was the inspiration behind the name though EGL followers quickly move to shut that theory down, for obvious reasons.

The fashion carries shades of Alice in Wonderland, however with a slightly darker motif. Typically an EGL wears puffy skirts, frills, huge ribbons, and bonnets; essentially coming across as a Victorian doll. However, despite the word Gothic in the name, there are several Lolita sub-styles that aren’t necessarily Gothic. EGL is a true example of exactly this. We’ve put together a list of six EGL fashion sub-styles that don’t look remotely gothic. 

Country

Country Lolita is a bit like Sweet and Classic mixed together but more toned down. Prints of gingham, straw hats, bonnets, and basket purses are nice staples. Parasols, fruit prints, and gloves could also make up this look.

Old School

Inspired by vintage pieces from early days of fashion, Old School Lolita makes use of lace, clunkier shoes like Mary Janes and toned down color schemes typically in one shade.

Classic

Classic, not to be confused with old school, is similar to Sweet, but more mature with muted colors. Floral prints are popular and A-line cuts of dresses are used more often than the bell-shaped silhouette of the other styles.

Sweet

One look at this style and you can see why it is called Sweet! Pastels and soft colors make up the color schemes. Big head bows topped with ribbons and lace that can almost swallow your whole head.

Over The Top

Over the Top fashion makes heavy use of printed socks, colorful blouses, and elaborate hair accessories. Colorful Wigs are also used to polish it all off.

Sailor

Less popular than the others, the toned down and simple Sailor Lolita dresses are often A-line accompanied by a sailor collar that you may see of seifuku type outfits. Colors are often black, blue, and white, and have nautical themes.

6 Interesting Things Discovered In Antarctica

100-Year-Old Fruit Cake

PHOTO CREDIT: The New Zealand Antarctic Heritage Trust

Among other things, Antarctic Heritage Trust conservators found a 100-year-old fruitcake wrapped in paper and encased in the remains of a tin-plated iron alloy tin. It is believed that British explorer Robert Falcon Scott likely brought the cake to Antarctica during their 1910-1913 Terra Nova expedition. According to the Antarctic Heritage Trust explorers, the fruitcake is in excellent condition and looks and smells almost edible.