October 23, 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 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.

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

Why paying with cash may not save you from credit card fees

Here's why cash-payers are being impacted by credit card fees To get into how cash-payers may be impacted by credit card fees, we have to back up a bit and explain the charges associated with the credit card business. Up until recent years, retailers ...

Published:  Mon, 16 Oct 2017 11:56:00 GMT

4 tips to maximize your rewards credit cards

Rewards credit cards give you the chance to earn cash back on your purchases or perks like airline miles or free meals at restaurants. But consumers don't always get the most for their money. "There are probably a slew of people out there who have ...

Published:  Tue, 10 Oct 2017 21:48:00 GMT

You're Still Paying Credit Card Fees Even If You Use Cash

That's why they encourage cardholders to spend money with rewards. Rewards come in the form of cash back or travel points. The credit card companies still earn a healthy profit after accounting for rewards they dish out. Last year, American Express gave ...

Published:  Sat, 14 Oct 2017 04:14:00 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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