Spring fever is officially upon us which means the DIY’ers are earger to take on their home improvement projects. Luckily, there is a way to save yourself a few bucks. You can earn 5% cash back on your Home Improvement purchases this quarter with the Discover IT™. Here are all the details for the offer:

5% Cash Back

From April through June you will get 5% back on your home improvement store purchases. The 5% back is on up to $1,500 in purchases, which totals $75 in bonus cash. Now, that might now sound like much, but that’s free money which makes it worth your while.

There are a few things to keep in mind. First, in order to be eligible for the 5% cash back offer you MUST register. You can do this by logging into your online account. Remember you have to register each time the categories change in order to get the 5%.

1% Cash Back

Keep in mind you always earn 1% cash back on all your other purchase. That means any purchases that fall outside the 5% categories or purchases that exceed the amount you can earn in the 5% categories will still net you 1% cash back.

Discover it™ Card Offers

If you aren’t a cardmember yet then check out the three offers below. All offers participate in the 5% cash back offer we just reviewed. Pay close attention to the introductory rates because that’s where the cards differ. The last offer highlighted below is the student version of the card. Here they are:

Discover IT™ – 14 months* on purchases and balance transfers
This version of the Discover IT™ card offers an introductory rate of 0% for 14 months* on purchases and balance transfers. After the intro period the regular apr is 10.99% - 22.99%* (Variable), based on your creditworthiness.

For more details or to apply, check out our Discover IT™ review.

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For more details check out our Discover IT™ Review.

Discover IT™ for Students
The Discover IT™ for Students specifically for students who want to build credit and earn cash back for their spending. The card gives 0% for the first 6 months* on purchases. After that, the APR will be 12.99%-18.99%* (Variable) based on your creditworthiness.

You can get more details on the Discover IT™ for Students by clicking here.

Disclaimer: See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here” button, you can review the credit card terms and conditions on the issuers website.

Disclaimer: Discover is a paid advertiser of Credit Card Offers IQ.

With each new quarter we get to look forward to new rotating categories for the Chase Freedom cards. Each quarter the 5% categories change so it’s important you stay up-to-date on what the changes are. Before we get to the categories let’s first review how the 5% cash back works.

Here’s a quick overview:

You’ll earn 5% cash back on up to $1,500 spent each quarter. This is equivalent to $75 of free money. Each quarter the categories in which you can earn the 5% change, but regardless of category, you always get 5% back. Keep in mind, you always earn a full 1% cash back on all your other purchases that fall outside of the categories. After you spend $1,500 in the rotating categories you then start earning 1%.

Here are the 5% rotating categories for January – March 2013:

In order to be eligible you must register. This will allow you to get the 5% back for your gas and restaurant purchases. If you don’t register then you don’t get to participate. You can register by accessing your online account. This is basically free money, so be sure to register.

Chase Freedom Cards

If you want to get into the cash back action then take a look at these Chase Freedom Cards. Each card give 5% back in the rotating categories and even have a nice cash back bonus for new cardmembers. There are two versions of each card – Visa and MasterCard.

Chase Freedom^® Visa

• Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months from account opening
• 0% Intro APR for 15 months on purchases and balance transfers
• 5% Cash Back on up to $1,500 spent between Jan 1 and Mar 31, 2013 at gas stations, drugstores and Starbucks® stores
• You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
• Unlimited 1% Cash Back on all other purchases
• No annual fee and rewards never expire

The other version of this card is the Chase Freedom® MasterCard.

With Christmas right around the corner, it’s the perfect time to review some of the best credit card offers for the holidays. Whether you spend a little or a lot this holiday season, you can save a ton of money by using the right credit card for purchasing gifts. Use the wrong card, and you’ll end up missing out on some potential savings.

The best holiday cards fall into one of three categories: cash back, 0% APR, or travel rewards. Depending on what your financial goals are, picking the right card is really pretty easy. We’ll start with the Credit Card Offers IQ editor’s pick for the best holiday card, and then we will review several other top picks in each category.

Holiday Credit Card Editor’s Pick

The editor’s pick is an easy choice – the Chase Freedom^® Visa. The card gets our editor’s pick because it combines several features that make for a great credit card for the holidays (or anytime for that matter). First, it offers 1% cash back on all purchases, and up to 5% cash back on select categories of purchases. Second, the Freedom card offers a 0% intro on balance transfers for up to 12 months. If you’d like more information about this card or to apply only, visit our Chase Freedom^® Visa Review.

Holiday Cards with Cash Back

If you shop at Costco then a great option is the TrueEarnings® Card from Costco and American Express. This card pays cash back as follows: 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%; 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco. Because Costco does not accept other credit cards, this is the best cash back card available for Costco purchases. For more information or to apply online, visit our TrueEarnings® Card from Costco and American Express Review.

Holiday Cards with 0% APR

If buying gifts interest fee is the most important feature for you, consider the Slate® from Chase. The card offers an introductory rate of 0% for 15 months on purchases and 0% for 15 months months on balance transfers. And the card charges no annual fee. You can get more information from our Slate® from Chase Review.

The Citi® Dividend Platinum Select® Visa® Card makes the list because it offers it gives $100 cash back after $500 in purchases within the first 3 months of account opening. Plus, it has a nice 0% introductory APR for 12 months*. You can get more information from our Citi® Dividend Platinum Select® Visa® Card Review.

Holiday Cards for Travel Rewards

If you love to travel, holiday spending can be a great way to earn points from the right credit cards. The Chase Sapphire^SM Card is a points card that can be used for travel rewards. The card is great for holiday shopping because it offers 10,000 bonus points after you spend $500 in the first 3 months and it has no annual fee. You can get more information from our Chase Sapphire^SM Card Review.

Photo Credit: Mr. T in D.C. via Flickr

The Citi Forward® Card is running a limited-time promotion with Netflix which will land new cardmembers an entire year of Netflix for FREE. This offer is good for those that are already Netflix members or for those new to Netflix. However, it is only available for new cardmembers. Let’s take a look at the details.

What’s A Membership Worth?
First, let talk about just how much a free Netflix membership is worth. A monthly Netflix steaming membership will currently cost you $7.99 per month which equals $95.88 (without tax) per year. If you are already a Netflix member and you pay more than $7.99 per month then you will get a monthly rebate of $10 per month for a grand total of $120 for the year.

What Are The Rules?
You must register your new Citi Forward Card with Netflix.com as the preferred payment method to pay for your month-to-month Netflix membership. You will receive a statement credit for the total Netflix monthly membership fee (up to $10 per month) on the same statement as the transaction at Netflix.

Is This A Good Card?
The Citi Forward® Card has several features that make this not just a good offer, but a great offer. First, the card is known for it’s 0% offer on purchases and balance transfers. From there this card awards it’s members with cash back and gives extra points on restaurants and on books, movies and music purchases. With the Citi Forward card you can even get your regular APR reduced by 0.25% each quarter in which you pay your bill on time and stay under the card’s credit limit. Here’s an overview of the offer:

• $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
• 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
• 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
• APR reduction on purchases when using credit wisely
• No Annual Fee*

How To Sign Up?
Signing up is easy! You can get started by checking out our entire review of the Citi Forward® Card and applying online. Remeber, the deal requires you to use your Citi Forward® Card as the form of payment for your Netflix membership so once you get your card be sure to add it to your Netflix account.

If you are a Netflix member or thinking about becoming one this is a nice way to keep a little dough in your pocket. Plus, the Citi Forward card can save you some money too because of the cash back rewards it offers. There’s no annual fee with the card so it won’t cost you anything.

It’s now a little bit easier to earn bonus points with the Chase Sapphire PreferredSM Card. Now, when you sign up for a new account you just have to spend $2,000 within your first 3 months (previously it was $3,000) and you’ll earn 40,000 bonus points. These points can be redeemed for $400 in statement credit or a flight that costs $500. Not a bad deal!

Beyond the sign up bonus, the card has a number of other great benefits like earning double points and no annual fee for the first year. The annual fee is normally $95, but the offer waives this for the first year. Another cool little fact is you after your first year of membership you will have the option to convert the card to the Chase Sapphire Card which does not carry an annual fee. This will allow you to take advantage of the bonus offer and still miss out on the annual fee down the road. There are some slight differences between the two card offers which you can check out below.

Chase is giving a way $1,000 to Outback Steakhouse and getting registered is simple! All you have to do is like the Chase Freedom facebook page and then you can enter the sweepstakes. There is no purchase necessary to enter and you don’t cardholder either. You have August 31, 2012 (11:59:59 PM ET) to get registered.

Here are the steps to follow:

1. Like the Chase Freedom Facebook Page
2. Complete the registration form by providing the information required
3. Click the submit button

Again, you don’t need to be a cardholder to partcicpate. However, if you are in the market for a rewards card then you should consider the Chase Freedom card. It is considered to be one of the most competive offers our there because of it’s nice bonus offer and 5% cash back. If you are intersted then you can check out the details below:

Chase Freedom® Cash Back

The Chase Freedom® Visa – $100 Bonus Cash Back is one of the most popular cards out there and for good reason. First, the card offers a nice $100 cash back bonus once you spend just $500 bucks in 3 months. That breaks down to just $166 per month which most of could hit just in our gas purchases. The card also gives 15 months and 15 months. If you plan on making a big purchase and need some extra time paying it off, or if you need a nice balance transfer card this is a perfect choice.

If prefer MasterCard then you can go for the MasterCard version. The Chase Freedom® MasterCard offers the same great perks, it’s just in the form of a MasterCard. Both cards also allow you to earn 5% cash back in rotating categories and you always get to earn 1% on all your other purchases. Again, if you need a solid cash back offer this is an excellent choice.

Marriott and Chase have recently added another perk to the Marriott Rewards® Premier Credit Card. They’ve made the offer slightly better by adding Trip Cancellation and Trip Delay Insurance to their offer. This card was already an ideal choice for those who travel abroad because of the no foreign transaction fees. Now, the offer is even more appealing for those seeking a travel rewards card because of the two newly added perks. Let’s take a look at the details:

Since this card is a Visa Signature card you also get a handful of other travel perks which we have listed below.

How does a nice bonus of 70k sound? This is the deal that is going on right now with the Ritz-Carlton Rewards Credit Card. New cardmembers are awarded this after making a first purchase. This is enough for at least one night stay and maybe more depending on the hotel tier. Let’s dig into the details!

This offer is going on until July 25, 2012 which is perfect timing for any summer trips you might have planned. The rules are simple – apply before 7/25, make a first purchase and then get your 70,000 big ones. In addition, this offer also comes with the added bonus of no annual fee for the first year. That’s a savings of $395!

If you stay at Ritz-Carlton locations or any of their partnerships like Marriott this card might be a good fit for you. Here’s a look at how you earn points:

This card also allows you to earn airline miles instead if you prefer. This make this card a flexible rewards card that can either help you rack up points for your hotel stays or your airfare.

For more information on this card check out our Ritz-Carlton Rewards Credit Card Review.

If you’re in the market for a prepaid card then consider the American Express® Prepaid Card. The card offers a low fee structure, plus a $25 gift card bonus. The combination of these two features make this offer very attractive and a tough competitor in the prepaid market. The $25 bonus gift card offer expires at the end of the month so let’s take a look.

Until June 30, 2012, Amex is giving away a $25 gift card when you get an American Express® Prepaid Card and load $200 or more onto the card at the time of order. With the middle of June approaching quickly you have to act fast if you want the gift card. If interested, you can apply online by completing an online application. When applying for the card be prepared to provide a routing number and account number so you can transfer funds to the card to qualify. Here’s a recap:

If you’re dreaming of a beach vacation then now’s the time to book your trip using your Citi card. For a limited time ThankYou® members get 500 ThankYou Points just for booking a hotel through the Citi online Travel Center. When you book your hotel stay through the Travel Center then you will earn 500 bonus points as long as your booked from May 22 – July 21, 2012. This is perfect timing for your summer plans. Here’s what’s listed in the fine print:

500 bonus point offer only valid on new hotel bookings made online May 22 – July 21, 2012. To qualify, bookings must be made on the ThankYou Rewards travel website and paid in full using: all points, all payment on your ThankYou Rewards Card or a combination of both. Bonus Points will be awarded 8-10 weeks after the promotion ends. Other restrictions may apply.

As you can see, you have to use an eligible Citi card that is part of the ThannkYou Rewards Program. If you don’t have an eligible card and are interested in applying for one then check out my favorites below.

Photo Credit: Loren Sztajer via Flickr