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      December 18, 2017

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How Cash Back Credit Cards Compare

How to Choose a Cash Back Credit Card

The Benefits of Cash Back Credit Cards

 

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The Benefits of Cash Back Credit Cards

With cash back credit cards you receive something for nothing - that sounds like a pretty good deal right? Cash back credit cards give you a bonus for spending money. Cash back credit cards gained popularity after airlines offered cards with “bonus miles.” Now, most credit cards offer some type of reward program - often in the form of a cash back bonus. We all have to spend money on bills, groceries, gas and other essentials. By using a cash back credit card with these purchases, you are receiving money back for items you are already spending money on.

Cash back credit cards work best for those that pay off their balance in full each month. By doing this, you will not pay any interest on your purchases (which is often high with cash back cards) while receiving all the benefits of your rewards. You are essentially getting free money.

Most cards offer anywhere from 1%-5% cash back rewards, depending on what you are purchasing. That is like going to a store and getting 5% off with every purchase. On average, most users receive about 3% back on each purchase. Often, many users get credit cards for their family members to optimize earnings. If you and the members of your household use cash back credit cards on all your purchases, it would add up to a significant amount over the course of the year. Many businesses can also use cash back credit cards and can reap the same benefits and savings each month as well.

There are many benefits to receiving cash back every month. If the rewards come back as a statement credit, then you have reduced credit card bills each month. Other cards send your reward in the mail and can use it to spend it on whatever you want - this could be your vacation or entertainment money. You might feel you have the freedom to use your cash back rewards on items you wouldn’t ordinarily purchase with your hard earned money.

Credit card users have been down recently and many companies have been offering great rewards for new users. There are many different options out there to choose from. You can find one that best supports your spending habits.

Cash back credit cards are one of the best types of credit cards to choose because you earn a portion of the money you spend back and you have the freedom to choose to do what you want with the bonus cash. They are easy to use they offer many benefits to consumers that research and select credit cards that fit their lifestyle. The savings can be significant and costly charges can be avoided if the consumer makes payments promptly and in full each month.

Best Credit Cards For Everyday Use

To help you pick the right card for you, here is my list for the best credit card for everyday use: Best all-around card (up to 6% cash back): American Express Blue Cash Preferred Best rotating category card (up to 5% cash back): Discover it The American ...

Published:  Fri, 15 Dec 2017 00:27:00 GMT



Why now is the best time of the year to sign up for a new credit card

That's because a new credit card offers the opportunity to maximize rewards during the holiday shopping season. Many rewards and cash-back cards offer enticing sign-up bonuses, but to earn those bonuses, you have to spend a certain amount in the first few ...

Published:  Fri, 15 Dec 2017 09:58:00 GMT



How to Get Your Capital One Credit Card Application Approved

Capital One offers a range of credit cards with perks like no annual fee, low introductory rates, unlimited Capital One rewards miles and unlimited cash back. Here's what you need to know in order to apply and get approved for a credit card from Capital One.

Published:  Sat, 16 Dec 2017 15:49:00 GMT



The Best Secured Credit Cards of 2017

That means 4% cash back on gas and groceries year #1 and 2% cash back elsewhere. Simply amazing for a secured credit card. Diving into the pricing details, the minimum deposit to open the secured line of credit is $200. No maximum amount is listed.

Published:  Fri, 15 Dec 2017 00:00:00 GMT



Should you get a credit union credit card

Depending on your eligibility, it may be possible to find a credit union card that offers perks comparable or better than that of traditional bank issuers, like the Alliant Cashback Visa Signature, which offers an industry-best 3 percent cash back on all ...

Published:  Wed, 13 Dec 2017 14:21:00 GMT



Chase Freedom card now offers 5% cash back for Apple Pay purchases

Chase announced today that it is now offering 5% cash back for Apple Pay purchases made with a linked Chase Freedom credit card for the first time. The offer is available for combined purchases up to $1500 at select merchants and will last for the first ...

Published:  Fri, 15 Dec 2017 00:00:00 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, 08 Dec 2017 03:39:00 GMT



Chase Freedom cardmembers can get 5% cash back on mobile wallet purchases, including Android Pay, in Q1 2018

If you have a Chase Freedom credit card and you like free money, you will want to take advantage of their latest quarterly cash back offer. In addition to some of their usual categories of bonus points purchases - in this case, gas stations and cable ...

Published:  Fri, 15 Dec 2017 10:09:00 GMT



3 Holiday Credit Card Traps to Avoid

Our picks of the best balance-transfer credit cards include 0% intro APR offers ranging from 15 to 21 months, and some will even waive balance-transfer fees. 2. Forgetting to activate bonus cash-back categories Many cardholders don't take full advantage of ...

Published:  Tue, 12 Dec 2017 02:55:00 GMT



Want to Be Smart About Credit Cards 5 Must-Follow Rules

The average interest rate on a credit card is 15.99% for travel cards and 20.90% for cash back cards as of 2017. Interest, especially at these rates, makes it harder to repay your debt and costs you a fortune. If you owed $5,000 on a card with 20.90% ...

Published:  Wed, 13 Dec 2017 08:19:00 GMT



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