NEW YORK (TheStreet) -- With the summer winding down, many students and their parents are thinking about the necessary back-to-school purchases before the first day of classes. According to the National Retail Federation, the average American household is expected to spend roughly $630 on school supplies this year, and with many credit card companies offering hundreds of dollars just for opening an account, the necessary August back-to-school shopping is a great time to open a new account.

To find the best deals, programs and perks for back-to-school shoppers, CardHub looked at 1,000 different credit cards to compare the best ones on a number of different metrics. These are the top credit card deals CardHub found as the school year approaches:


Citi Double Cash Card

The Citi Double Cash Card was voted by CardHub to be the best "All-Around" card for back-to-school shoppers. With the Citi Double Cash Card, cardholders are offered 1% cash back when they use it on any type of purchase with an additional 1% when they pay for those purchases regardless of whether they pay in part or in full. The card also touts a no annual fee policy and 0% APR for the first 15 months for purchases and balance transfers. The card does not limit the amount of cash back earned or restrict the categories of purchases eligible for the cash back incentive unlike many other cards.


Citi ThankYou Premier Card

The Citi ThankYou Premier Card was voted as CardHub's best card for consumers looking for an initial bonus when opening up an account. The ThankYou Premier Card offers cardholders "50,000 bonus ThankYou Points after you spend $3,000 in purchases within three months of account opening." According to Citi's website, these points can be redeemed for $625 toward airfare, hotels, cruises and car rentals or $500 in gift cards from a wide range of merchants. The card also allows you to pick up extra ThankYou points on travel expenses, dining, entertainment, and other purchases with no limit on the number of ThankYou points earned. Citi also waives the $95 annual fee for the first year that the card is in use.

Capital One Quicksilver Card

Although CardHub suggests the Citi Double Cash Card as the best "All-Around" credit card for back-to-school shoppers, for shoppers with good credit they also suggest the Capital One Quicksilver Card. To be considered someone with "excellent credit" by Capital One, that person needs to have never declared bankruptcy, defaulted on a loan, or been more than 60 days late on any credit card, medical bill or loan in the last year. Assuming someone meets all of these criteria, the card offers "unlimited 1.5% cash back on every purchase, every day" and a $100 cash bonus after spending $500 within the first three months. Rewards from the card do not expire, and the card does not have an annual fee.


Target REDcard Credit Card

With Target selling almost anything a back-to-school wish list could possibly include, CardHub deemed the Target REDcard Credit Card as the best store specific "All-Around" credit card. The Target REDcard saves Target shoppers 5% on every purchase made in the superstore. In addition to this, the Target REDcard allows online shoppers to earn free shipping for online purchases and extends the window to return items by 30 days. There is also no annual fee for the card.

Staples Credit Card

Similar to the Target Credit Card, the Staples Credit Card offers 5% back on all purchases made within the store. The card also allows the 5% back incentive to online shoppers looking to buy their back-to-school supplies online and waives shipping fees for these online shoppers. The Staples Credit Card does not require an annual fee either.

Capital One Spark Cash for Business

CardHub requires some parents to be somewhat creative with the credit card choices in order to find the best deals. They suggest that parents who operate small businesses could open credit cards for small businesses to get better deals on their child's back-to-school shopping. CardHub voted Capital One's Spark Cash for Business the best "All-Around" card for business owning parents. The card offers "unlimited 2% cash back on every purchase for your business" along with a $500 cash bonus after spending $4,500 within the first three months of opening the account. Capital One also waives the annual fee for the first year the card is in use.


SimplyCash Business Card from American Express

Similar to the Capital One Spark Cash for Business card, the SimplyCash Business Card from American Express is considered another great "All-Around" credit card for business owning parents. For those eligible, the card offers a $250 statement credit after spending $5,000 on purchases within the first six months of opening the card. It also provides 5% cash back on purchases from U.S. office supply stores, 3% back on a list of categories of the cardholder's choosing and 1% cash back on other purchases. The card has no annual fee.

Ink Cash Business Credit Card from Chase

CardHub suggests the Ink Cash Business Credit Card from Chase as another alternative for business-owning parents. The card offers 5% back on the first $25,000 in office supply purchases, 2% back on purchases at gas stations and restaurants and an additional 1% back on everything else. There is also a $200 reward for spending at least $3,000 in the first three months of opening the account. Like many of the other cards on the list, Chase does not charge an annual fee for this card.

Ink Plus Business Credit Card by Chase

Although very similar to the Ink Cash Business Credit Card by Chase, the Ink Plus Business Credit Card by the same company is an alternative card that CardHub suggests for business-owning parents looking to save on back-to-school shopping. Although this card requires a $95 annual fee unlike the Ink Cash Business card, the Ink Plus Business Credit Card offers a $500 bonus for spending $5,000 within the first three months of opening an account. Unlike the free option, this card does not have any foreign transaction fees. The card also offers five points for every dollar spent on office supplies up to the first $50,000 in spending with an additional two points earned on gas and hotel stays, and one point on everything else.