For those who have good credit and are disciplined enough to have a credit card I recommend the American Express Blue card. This is the card I use because of the great cash back benefits they offer. There is no annual fee. I only recommend getting this card, or any credit card, if you are sure you will be able to pay off your balance each month.

The best benefit of this card is the 5% cash back on gas and grocery purchases. Anytime you use the card anywhere else you get 1.25% cash back. The “cash back” is applied to your statement balance after each yer. This is a must have card if you are looking to save money.

You will not qualify for these cash back rates until you spend over $6500 with the card. Depending on what you do and how you spend this may happen very quickly for you. Others may not reach the $6500 spending requirement at any time throughout the year!

For me it makes sense because I know that I will hit the requirement fairly quickly. I can use my card to pay for business and personal expenses. I’d only recommend using this card if you are going to hit the $6500 requirement within the first few months.

You can apply for the Blue Cash card here: Amex Blue Cash