2 credit cards that will pay you CASH BACK on your purchases (no annual fee, either)!

Bank of America Cash Rewards Visa

• 1% cash back on purchases everywhere, every time

• 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter

• Choose a favorite category to receive 3% cash back on! (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings)

• No expiration on rewards and no changing categories to follow so you know how you're earning rewards

• No annual fee

• 0% introductory APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account

• Online-exclusive: $200 cash rewards bonus after making at least $1000 in purchases in the first 90 days of your account opening

• Choose how you want to receive your cash: into a Bank of America® checking or savings account, a statement credit, or a check in the mail

• Preferred Rewards members earn 25%-75% more cash back on every purchase. That means the 3% choice category could earn 3.75% - 5.25% and the 2% at grocery stores and wholesale clubs could earn 2.50% - 3.50%, for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could earn 1.25% - 1.75%

• Fraud protection

• Text Banking -- get the account information you need quickly by text. Simply send a text message and you'll get a reply in seconds

• Chip Cards -- chip technology for enhanced security and protection when making purchases at chip-enabled terminals

• and more!

PayPal 

The internet's #1 online payment service for buying and selling. Your account comes with a debit card that can be used like a MasterCard credit card for online and offline purchases. Every time you do so, you get 1% cash back!

Sign up through my invitation link here, spend at least $5 in one transaction or send an individual at least $5, and you'll get $10 and I will too!  PayPal is a popular online global payment service used by over 426 million users to securely send and receive money.

Here's a little secret for how to get the most spending power out of cash back credit cards -- use them for every purchase you possibly can ... at the gas station, at the grocery store, etc. Also, find out how many of your monthly bills can be paid by credit card (such as utilities, etc.). Rack up as much as possible on this cash back credit card, then PAY OFF THE BALANCE EVERY MONTH so there's no interest charge. One bill at the end of the month covers all our expenditures, so there's much less check writing and better organization, too. We receive hundreds of dollars back annually this way.  It's sort of a way to beat the system -- no interest, and the credit card company pays YOU to use their card which not only simplifies your paperwork but also puts lots of money in your pocket!