(Bankrate) — Have cash-back credit card offers improved or worsened since last year? Bankrate.com aimed to find out in its annual cash-back credit card rewards survey. In February, Bankrate surveyed all of the cards from the 2010 study, except for the replacement of two cards that were no longer available, and the addition of three cards. Cards surveyed came from the 10 largest credit card issuers, as well as three investment cards from Fidelity that were included in the 2010 study, for a total of 32 cards. For each card, we gathered information on the annual fee, introductory bonus, reward rate and expiration period, and compared the data to the previous year. In a summary chart, we listed rebate information for each card under a “reward formula” column, which details the reward offering and break points for any higher payouts, and a “cash-back ratio” column, which lists the rate or rates of returns for easy comparison. Did credit card issuers react to recent regulations such as the Credit CARD Act by making cash-back credit offers less attractive? Fortunately, according to the study results, cash-back credit card offers remain largely unchanged from the previous year.
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