January 20, 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


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 Cash Back Credit Cards Compare

There is no cash back card that is best for everyone because each person and household has different spending habits. Selecting the right cash back credit card can be a difficult process. Credit card companies are required to disclose all the information about the card but that means a lot of fine print reading for potential customers. Here are some tips to help get you started on the right track. Remember, you want to select a card that works for your current lifestyle while putting the maximum amount of money back in your pocket.

A small percentage of cash back cards have an annual fee. These fees typically range from $20-$40 each year. The benefit package and the amount you spend are something to consider when looking at cards with fees. A person who uses the card for many purchases would likely have benefits that outweigh the fees. These cards offer better packages and higher percentages back. There are always exceptions, so make sure you consider where you are spending your money and how much you will be charging on your card. If you find a card with a great benefits package but an annual fee – shop around a little longer. With so many options available you may be able to find one with a lower fee (or none at all) that offers a similar rewards package.

Though most cards offer a flat percentage back on your purchases, there are cards that offer higher percentages back on “everyday purchases.” These include categories such as groceries, gas and restaurants. When comparing cards this is something to consider. Another option you will see is tiered cards. These cards offer a greater percentage of cash back when you reach a certain amount on your card. Cash back credit cards may also offer other benefits aside from cash back such as discounts at stores, cash advantages and annual bonuses.

Cards offer their rewards at different times. Some of them reward you annually and others may reward you once a month (or another frequency) or when you reach a certain balance. This usually comes down to a person’s preference. Maybe you would prefer a lump sum once a year or you might prefer small amounts more frequently. Some cards have a maximum amount of rewards you can earn each year. Look for this in the fine print and make sure it doesn’t exceed what you plan to spend. If it does, chances are there is a better card out there for you.

With multiple options for cash back credit cards, it is likely that there is a card will work well for you. Look for cards with the highest payout for the purchases you spend the most on.

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

Cybercrime Is Shifting from Credit Cards to Identity Theft

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:  Fri, 19 Jan 2018 08:17:00 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

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:  Fri, 19 Jan 2018 08:08:00 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 10:32:00 GMT

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