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      April 27, 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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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.

Points or Cash-Back Credit Cards The 2018 Guide

Choosing between a cash-back credit and a points credit card is one of those personal finance decisions that can have ripple effects you might not think about at first. A points card might result in a free flight to Tokyo, but a cash-back card might ...

Published:  Fri, 20 Apr 2018 13:41:00 GMT



How Does a Cash Back Credit Card Work

These credit cards have either a low on-going interest rate, low introductory interest rate, or low on-going fees. Most of these cards also have reasonable rewards programs and additional card perks. Rewards are one of the most requested features in credit ...

Published:  Wed, 18 Apr 2018 08:58:00 GMT



PenFed's new card pays 2% cash back

The nation's third-largest credit union has just unveiled a credit card that pays 2 percent cash back on all purchases, and charges no annual fee. If you don't mind the legwork, Pentagon Federal Credit Union's offer is a decent one. CARD SEARCH ...

Published:  Sun, 15 Apr 2018 15:14:00 GMT



This Is the Only Retail Credit Card Worth Having

The Problem With Many Store Credit Cards While credit approval may be easier with ... But that fee is generally in line with many other cash back cards. Plus Prime membership comes with loads of other benefits, such as free two-day shipping on eligible ...

Published:  Wed, 25 Apr 2018 07:28:00 GMT



New credit reward cards from Fiat Chrysler, Uber and Starbucks add to payment options list

It's even less on a percentage basis, as the price of gas goes up. CreditCards.com notes that there are many general purpose credit cards that offer 2% rebates in the form of cash-back and travel rewards. And the interest rates on many of these cards can ...

Published:  Tue, 24 Apr 2018 04:45:00 GMT



What is a "˜good' credit card

At the same time, a good travel card will also feature perks like free checked bags, hotel room upgrades and travel insurance policies. Others might find the most value in a cash-back credit card that offers rewards that can be used to pay for anything.

Published:  Fri, 13 Apr 2018 07:01:00 GMT



3 ways to get the most out of your credit card rewards

A better alternative: a cash-back rewards card, which lets you redeems those rewards ... "Especially around life changes, think about what your credit card is doing and if it's really the best fit for you," Myhre-Nunes said. NextAdvisor's online survey ...

Published:  Mon, 16 Apr 2018 11:23:00 GMT



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