The best cash-back credit cards with no annual fee of December 2019

Welcome bonus, which is hard to find among flat-rate cash-back cards with no annual feeCompetitive 11.74% to 17.99% variable APRPenFed Power Cash Rewards Visa Signature® Card

PenFed is a credit union, so membership is required to open a card. Anyone can join by applying, opening a savings account with a $5 deposit and maintaining a $5 account balance.can net you $100 more in cash back than the Citi® Double Cash Card in the first year thanks to its welcome bonus. Cardholders get 1.5% cash back on all purchases, but that increases to 2% cash back on every purchase if you're a PenFed Honors Advantage member.

To earn the higher cash-back rate, you need to become an Honors Advantage member in one of several ways: be in an active military service status, a member of the Reserves or National Guard, an honorably discharged U.S. military veteran or retired from such service; be the primary owner on both the credit card and checking accounts of any existing open PenFed product ; or open a new Access America checking account .

Over $ 23 billion in consumer credit on Cyber Monday?

'CNBC's top 5: Winner: Citi Double Cash Card Runner-up: PenFed Power Cash Rewards Visa Signature Card Best Online Shopping: PayPal Cashback Mastercard Best Foodies: Capital One SavorOne Cash Rewards Credit Card Best Groceries: American Express Blue Cash Everyday Card'

AHA 😤 I need $2,000 dollars over a eight hour work day.

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