Getting a cash back reward of 1% or more is becoming more and more difficult. Credit card companies have taken notice of the many cardholders who utilize a cash back credit card to earn a large cash back reward every month while paying of their bills each month. This ends up being a losing proposition for issuers as they pay out more in rebates than they receive in revenue. As a result, most credit cards that used to offer 5% cash back are now gone or have been heavily modified. However, there still is hope for those seeking to get a credit card that offers up to 5% cash back.

Blue Cash from American Express – Earn up to 5% cash back on every day purchases with no limit on the amount you can earn. Every day purchases above $6,500 per year earn 5% and all others above $6,500 earn 1.5% cash back. Every day purchases include gas, supermarkets and drugstores. There’s no annual fee and a 0% APR for six months.

Discover Open Road Card – Earn 5% cash back on your first $100 in gas and auto maintenance purchases each month. All other purchases receive a 1% cash rebate after $3,000 in yearly purchases is made and there is no annual fee. No restrictions on the amount you can earn and you can earn an additional 5% to 20% by shopping through Discover’s exclusive online shopping website.

Discover More Card – To start, get $40 cash back when you apply and get approved for the card. Participate in Discover’s Get More program and you’ll earn 5% cash back throughout the year. Get More program categories change four times a year. Earn an additional 5% to 20% when you shop online through Discover’s exclusive shopping website. Purchases over $3,000 a year earn 1% cash back without any restriction on the amount you can earn. Redeem rewards in $20 increments and never pay an annual fee.

Citi Dividend Platinum Select Card – Use this card for every day purchases at gas stations, supermarkets, drugstores and utilities to earn 5% cash back for the first 6 months and 2% thereafter. All other purchases earn 1% cash back with a maximum yearly reward of $300. No annual fee applies.

Citi Cash Returns Card – Enjoy 5% cash back for the first three months on ALL your purchases. After the first three months, earn 1% on ALL purchases and eligible cash advances. No limit to the amount of cash back you can earn, no expiration dates and no annual fee. Rebate checks are automatically sent to you each time you earn $50.

Finding those 5% cash rewards credit cards isn’t all that hard. All you need to do is select the one that’s right for you, apply and starting earning!

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