October 22, 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


Top Consumer Reviews Articles provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

How to Choose a Cash Back Credit Card

It is important that you choose the right card. When researching cash back credit cards, compare the annual fees, interest rates and rewards to determine the best card. Consider your spending habits when choosing a credit card and find one that will offer you the most benefits with a minimal cost. You want the card to fit the spending pattern you already have.

When possible, opt for a card that has no annual fee. However, don’t rule them out before doing some more research. Some of these cards have great introductory rewards that pay for the fee. These cards typically are better for big spenders and offer more generous bonuses.

When looking at interest rates, it is important to evaluate your spending habits. If you plan to pay off your balance in full, then look for the card with the best benefits. If you plan to carry a balance on your card month to month, choose a card with a low rate. If you are paying high amounts of interest on your card then you are not receiving the full benefits of using a cash back card. Some cards offer a 0% interest for a limited time, which may be good if you are transferring another debt to the card or planning on making a larger purchase.

When choosing a card, it is important to evaluate the places and things you spend your money on. Different credit cards have partnerships with companies that offer higher cash back rewards for frequent shoppers. For example, if you had a card the partnered with Old Navy, you might earn a higher percentage of cash back when purchasing items from Old Navy than when you spent money on gas.

Other cards have rotating categories where you earn more points for spending money on a specific category. For example, one month you might earn double points when you spend money on gas and the next month you earn triple points at restaraunts. These categories and point awards rotate every few months.

Many stores also offer their own cash back credit cards. This may mean the rewards come as “store cash” specific to the store. This works well for those that frequently shop at a specific store. With other cash back credit cards, you might receive a statement credit, visa gift card or check in the mail.

Pay attention to cards that have “minimum tiers.” This would mean that a card might offer 1% cash back, but you have to reach a minimum purchase in order to benefit from the rewards. Make sure you read the fine print on all cards before signing up.

When searching for cards, also consider the company and the website. Does it look professional and trustworthy? Is there contact information listed? Is it easy to get questions answered if a problem arises with your credit card? These are important to keep in mind in the long run.

Capital One's new cash-back credit card for foodies

Capital One's new credit card aims to pay people back for what many are already spending big on: dining out. The card, called Savor, offers unlimited cash back in standard categories like 2% back on groceries and 1% on all other purchases. But it's the 3% ...

Published:  Mon, 16 Oct 2017 18:36:00 GMT

6 Cash Back Credit Cards for Holiday Shopping

If you love buying gifts for friends, loved ones, and your postal carrier, you might already be shopping around ahead of the holiday season. But if you use cash or debit to pay for holiday gifts, you're losing out on rewards. Cash back credit cards can ...

Published:  Sat, 21 Oct 2017 03:27:00 GMT

How to Get Cash Back From Your Credit Card

Cash-back reward offers are no longer reserved for the highest-spending cardholders. As competition in the industry heats up, even secured credit cards with no annual fees are doling out cash-back rewards as banks look for ways to encourage card use.

Published:  Thu, 12 Oct 2017 03:15:00 GMT

Yelp Cash Back: How to Earn and Boost Your Rewards

In late 2016, Yelp launched Yelp Cash Back to help businesses gain loyal customers by giving cash-back bonuses when people link their debit and credit cards to Yelp. By spending money at participating restaurants and retailers, customers can earn up to 10% ...

Published:  Fri, 13 Oct 2017 01:00:00 GMT

How New Discover it Card Customers Can Supercharge Their Cash Back This Quarter

Your 5% cash back is good for only $1,500 in purchases each quarter, so feel free to shop around once you hit that limit. Before you apply for any credit card, you should check your credit score and submit an application only if you feel reasonably ...

Published:  Tue, 10 Oct 2017 22:31:00 GMT

3 Cash Back Credit Cards That Earn You 5% This Quarter

3 Cash Back Credit Cards That Earn You 5% This Quarter We're three-fourths of the way through 2017, which means it's time to update your quarterly bonus categories for your cash back credit cards. The Chase Freedom®, Discover it® Cashback Match ...

Published:  Thu, 19 Oct 2017 15:47:00 GMT

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