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      January 19, 2018

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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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TopConsumerReviews.com 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.

These Cards will Automatically Redeem Your Credit Card Rewards For You

Here are three credit cards that will automatically redeem your credit card rewards for you. Bank of America Cash Rewards < Rewards: 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs for up to $2,500 in combined purchases each ...

Published:  Thu, 18 Jan 2018 09:46:00 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



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:  Thu, 18 Jan 2018 10:44:00 GMT



Does My Credit Card Offer Travel Insurance

Rewards are one of the most requested features in credit cards. The cards included in these categories offer various types of rewards programs, including cash back, points, travel and airline rewards. Finding a credit card which fits your credit profile ...

Published:  Thu, 18 Jan 2018 09:33:00 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



How credit card rewards can make your dreams come true

They put the vast majority of their purchases on credit cards, which allowed them to earn cash back as well as travel points. By the time they were done, they had spent more than $215,000. They decided to celebrate by using some of the points they had ...

Published:  Thu, 18 Jan 2018 10:15:00 GMT



4 Reasons to Cancel Your Credit Card -- and 1 Reason to Keep It

Credit card usage can be a good thing ... For instance, suppose your current card offers 5% cash back on up to $5,000 of purchases per year ($250). On the other hand, Card X offers 3% cash back on unlimited purchases. That means you'd need to spend ...

Published:  Wed, 17 Jan 2018 15:18:00 GMT



Help for Credit Card Debt

Also, choose credit cards that offer incentives. Bob DeLuca of Conyngham Township said, "We have one you get 2% cash back all the time so for every hundred you spend you get two bucks." Also, don't give up if you can't see a credit debt solution.

Published:  Thu, 18 Jan 2018 09:51:00 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 16:37:00 GMT



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