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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.

Canada's Best Cash-Back Credit Cards 2018

If you want a card that will put big-time cash back in your pocket-even if you have to pay a small fee-here are three great cards for you. We've ran the numbers. While these cards charge an annual fee ...

Published:  Tue, 16 Oct 2018 05:20:00 GMT



Chase's Freedom Unlimited is one of the best cash-back credit cards of 2018 - and it comes with perks that many competing cards don't offer

The Insider Picks team writes about stuff we think you'll like. Business Insider may receive a commission from The Points Guy Affiliate Network. If you want to earn cash back on every single purchase, ...

Published:  Tue, 09 Oct 2018 08:06:00 GMT



Discover it® Cash Back

It's that simple. With the Discover it® Cash Back credit card, you can enroll every quarter to earn 5% cash back on up to $1,500 in purchases made in various categories throughout the year. You'll ear...

Published:  Tue, 09 Oct 2018 02:34:00 GMT



This Credit Card Is Perfect for Entrepreneurs, With No Annual Fee and Big Cash Back Rewards

We've included affiliate links in this article. See our advertiser disclosure to learn what those are. This is an exciting time to be a small business owner: The economy is chugging along, with ...

Published:  Thu, 18 Oct 2018 07:25:00 GMT



Should you withdraw cash with credit card

The credit limit for cash advances is usually smaller than your credit limit for regular purchases. If you don't have your credit card terms or a statement handy, you can call the phone number on the ...

Published:  Sun, 12 Aug 2018 16:10:00 GMT



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