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      March 23, 2019

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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.

Cash Back vs. Travel Rewards: Which Is Better for You

Which type of credit card makes sense for you: cash back or travel rewards Zeroing in on your spending and lifestyle needs can help you make the right choice. If you prefer to fly domestically in ...

Published:  Thu, 21 Mar 2019 07:36:00 GMT



Capital One Savor Now Offers 8% Cash Back on Vivid Seat Purchases

The cards included in these categories offer various types of rewards programs, including cash back, points, travel and airline rewards. Cash Back Credit Cards Airline Credit Cards Dining Rewards ...

Published:  Tue, 19 Mar 2019 06:13:00 GMT



Credit cards with the coolest perks: Wine tastings, museum admission, free hotels

Your first credit card probably lured you in with a free beach towel and a promise of 1% cash back. Is that still the card you're carrying in your pocket If so, you're missing out on one of ...

Published:  Thu, 21 Mar 2019 02:00:00 GMT



How Business Credit Cards Work

As you weigh your options, look for business credit cards that come with lucrative rewards programs that reward the kind of spending you do -- but make sure they're rewards you'll actually want to use ...

Published:  Tue, 19 Mar 2019 06:39:00 GMT



Capital One has a new partnership with ticket reseller Vivid Seats - Savor cardholders can earn 8% cash back

Capital One has announced a new benefit for cardholders who use its Savor Rewards credit card ... The refresh unveiled a new Savor card with one of the more competitive rewards offerings on the market ...

Published:  Tue, 19 Mar 2019 06:07:00 GMT



Forget cash, this debit card offers 'stock back'

The rewards start at 0.125% of spending, less than some other cash-back credit cards, though the company said the rate could reach as much as 5% depending on deals and promotions. For purchases at, ...

Published:  Tue, 12 Mar 2019 07:07:00 GMT



Earn 8% Cash Back At Vivid Seats With The Capital One Savor

Forbes has partnered with The Points Guy for our coverage of credit card products ... Ebates is offering 1% back at Vivid Seats. Since Ebates now lets you redeem your earnings for Membership Rewards ...

Published:  Fri, 22 Mar 2019 06:30:00 GMT



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