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      May 21, 2019

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How Cash Back Credit Cards Compare

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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.

Cash-back cards may be a better "buy' than airline credit cards. What's better?

If you use an airline-affiliated credit card such as the American Airlines Aadvantage MasterCard, consider a cash-back card instead. Airline cards are great if you're a big spender: Charge $25,000 and ...

Published:  Mon, 20 May 2019 15:00:00 GMT



Petal Visa Card Now Earns up to 1.5% Cash Back on All Purchases

Our opinions are our own. The Petal Visa® Credit Card - an alternative card for those with little or no credit - is blossoming into new territory: cash-back rewards. The new incentive, along with the ...

Published:  Mon, 20 May 2019 10:17:00 GMT



4 Costliest Credit Card Mistakes

Credit cards can help you improve your credit score and earn rewards ... and you should be in good shape. Our #1 cash back pick has a surprise bonus This may be the perfect cash back card! That's ...

Published:  Mon, 20 May 2019 13:18:00 GMT



Petal credit card launches cash back program that rewards healthy habits

Fintech startup Petal wants to change the way you build credit, and it's starting with how you earn rewards. The company has announced a new cash back rewards program that increases your cash back ...

Published:  Tue, 14 May 2019 07:42:20 GMT



The best cash-back credit cards of 2019

Business Insider may receive a commission from The Points Guy Affiliate Network if you apply for a credit card, but our reporting and recommendations are always independent and objective. Shayanne Gal ...

Published:  Thu, 16 May 2019 09:03:00 GMT



Cash-Back Card Coming for Apple Fans

You get 3% cash back on what you spend at the Apple Store ... The card weighs less than traditional metal credit cards but is less likely to suffer wear and tear compared with plastic cards. ...

Published:  Thu, 09 May 2019 11:25:00 GMT



SAVE NOW: Ten tips for using credit cards wisely

9. Use the perks. Credit cards offer perks beyond travel rewards and cash back, but many don't know about them. Agreements spell out all of the benefits, from buyer protection and car rental discounts ...

Published:  Sat, 18 May 2019 22:59:00 GMT



When Should Your Kid Get a Credit Card?

Since you will likely have to cosign until your child is 21, you have the right as a parent to help your child make the responsible choice -- so exercise it to help your son or daughter avoid costly ...

Published:  Mon, 20 May 2019 21:52:00 GMT



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