January 23, 2018

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The Benefits of Cash Back Credit Cards





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Choosing the right cash back credit card can allow you to earn money on both big and small purchases - cash that you can use however you like, and whenever you want.

Many cash back credit cards exist today that compete for your business. These cards pay you a percentage back on all purchases, and some give additional rewards from specific retailers. Some of the savviest money managers use cash back credit cards for all of their purchases. They pay off their balance each month, and take their cash back rewards to the bank.

Continue reading below reviews


Cash Back Credit Card Reviews

5 stars
USAA Cash Rewards® American Express® Card Best-In-Class Blue Ribbon Award

USAA Cash Rewards® American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
USAA Preferred Cash Rewards Visa Signature®

USAA Preferred Cash Rewards Visa Signature®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
USAA Cashback Rewards Plus American Express® Card

USAA Cashback Rewards Plus American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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2 stars
READYdebit® Visa Prepaid Card

READYdebit® Visa Prepaid Card

Instant Account Number - A Great Card for your Money.
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Continued from above

When looking for the right cash back credit card, you need to consider several factors. Some of these include:

  • Grace period. If your plan is to earn cash back on purchases and avoid interest charges by paying off the balance each month, you'll want to consider how much time you have to pay off your balance before it starts accruing interest charges.
  • Interest rates, penalties and annual fees. If you plan on carrying a balance on your cash back credit card, you'll want to make sure you get the best interest rate possible. You'll want to understand the penalties and whether the credit card charges an annual fee.
  • Perks. Not all cash back credit cards provide the same level of rewards program. If you're looking for cash back, make sure you understand how the rewards are calculated, if they expire, and how much money you can expect to earn on your purchases. has reviewed and ranked the best cash back credit cards available today. We hope these reviews help you find the best cash back credit card to help your bottom line!

How Cash Back Credit Cards Work

Every time you swipe your card, the store merchant must pay the credit card company a small fee or a percentage of the sale. A portion of this fee is given back to the consumer in the form of a cash back reward. Cash back cards encourage consumers to use their credit cards for everyday purchases and the credit card company benefits from the store fees and passes some of the money back to the consumer.

Every card has a different system for how you redeem and receive your rewards. Some are automatically applied to your statement or are sent in the mail. With other cards, you must manually redeem your rewards (usually on the credit card website). Some offer money back on a monthly basis while others may send the cash back at the end of the year. Some other credit cards require a minimum balance to be released before you earn your rewards. Typically customers will receive the money back as a credit on their account or as a check or cash card in the mail.

Most of credit cards keep track of your cash back rewards with a point system (or something similar). For example, some cards may give you two points for every dollar spent on groceries. 1000 points may equal $10 in cash back. So if you spent $500 dollars on groceries, you would be eligible for $5 back. Often credit card companies have partnerships with other larger companies. Making a purchase from a store that has a partnership with your credit card company would mean a higher percentage of cash back rewards from that purchase. This might mean that different stores offer more or less points for purchases made there.

Another way cash back credit cards are able to offer rewards are from annual fees and interest accrued. While some credit cards have no annual fee, often cash back cards with bigger reward packages have some type of annual fee. Make sure your rewards are going to offset the annual fee you may be required to pay. You want to use the card to your advantage. Cash back rewards cards have higher interest rates than most other cards to help offset the reward costs. It is important to remember to pay off your purchases on a monthly basis to avoid high interest charges. This will allow you to enjoy the benefits and while paying little to no interest on purchases. Those that carry a balance from month to month will end up owing far more in interest charges than what they will receive as rewards

Always pay attention to the fine print. Many customers rush to sign up for a card that offers 5% back on all purchase, but miss the part about it being an introductory offer. While this is a good incentive and one to consider, make sure you think about how the card and its benefits will look for you long term.


New Credit Card Offers 10 Percent Cash Back at Hotels

Perhaps the most noteworthy benefit of this Visa card is an additional 3 percent cash back on everything you buy through Ebates. On other purchases - those for which you don't go through Ebates - you earn 1 percent cash back. Ebates is what is known ...

Published:  Thu, 18 Jan 2018 17:00:00 GMT

4 Credit Cards for Low Spenders

Here are four of our favorite credit cards for low spenders. Rewards: 1% cash back on all purchases, with an additional 1% awarded upon payment. Sign-Up Bonus: None Annual Fee: $0 Annual Percentage Rate (APR): Variable 14.74% to 24.74% APR on purchases ...

Published:  Tue, 16 Jan 2018 03:40:00 GMT

Best Cash Back Credit Cards

How would you like to earn cash back for everything you buy Cash back credit cards can make this a reality, as they give you a percentage back in cash for purchases you make with the card. Some earn a flat cash back rate for everything you buy, while ...

Published:  Fri, 12 Jan 2018 05:49:00 GMT

Can I Pay My Taxes With a Credit Card

First, any time you use a credit card to pay a tax bill, you're charged a convenience ... While it's true that you won't get cash back by paying through the IRS, the amount you receive in rewards won't be enough to compensate for the extra interest you ...

Published:  Sun, 21 Jan 2018 12:18:00 GMT

This credit card solves the most annoying problem Americans face when traveling abroad

Miles can be redeemed for one cent each on travel purchases (applied as a statement credit to negate the cost of that purchase), or a half-cent each for cash back or gift cards. Best of all, you'll earn 5% of your miles back every time you make a redemption.

Published:  Wed, 17 Jan 2018 10:13:00 GMT

How to get free flights and earn cashback by signing up to a credit card

However, be wary of withdrawing money from cash machines (abroad or at home ... It's worth paying for some of the holiday on credit card, as you can still claim money back for the whole trip. Debit card purchases are not covered although you may be ...

Published:  Sun, 21 Jan 2018 17:36:00 GMT

As Starwood Changes Loom, What's The Best Credit Card For You

Credit card experts usually recommend general-purpose cards for ... "This card could certainly exceed what you could get from a standard 2 percent cash-back card." However, general-purpose cards "are still pretty tough to beat," he says.

Published:  Fri, 19 Jan 2018 23:50:00 GMT

Should You Pay Off Your Credit Card Debt With Your Emergency Savings

This week's question comes from jpomonkey, who asks, I have $2000 credit card debt at 6.9% and ... a little harder to get some extra cash flow. That could include trying to take on extra work on the side, or scaling back your spending for a few months.

Published:  Mon, 22 Jan 2018 15:27:00 GMT

How to Apply for a Credit Card

Whether you're interested in business credit cards, balance-transfer cards, low-interest credit cards, cash-back credit cards or other rewards credit cards, the basic criteria for getting approved is similar. Follow this step-by-step guide on how to ...

Published:  Mon, 22 Jan 2018 09:45:00 GMT

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