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      December 15, 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.

Cash Back vs. Points: How to Choose the Right Credit Card

Not sure if you should go with cash back or points Find out the advantages of each and how you can choose the right type of credit card. The first big decision to make when you're picking a new ...

Published:  Wed, 12 Dec 2018 03:09:00 GMT



Maximize Cash Back for the Holidays with these Credit Cards

The holidays are coming. This may mean lots of shopping. You might be considering how you can spend money and earn rewards for shopping. Well, you're in luck! There are some great credit cards ...

Published:  Mon, 10 Dec 2018 00:27:00 GMT



Bank of America Will Launch Cash-Back Card With Choices

The Bank of America® Cash Rewards credit card has long offered middling benefits in the cash-back world. It didn't lag far behind the competition, but it wasn't particularly exceptional. This change c...

Published:  Mon, 10 Dec 2018 07:18:00 GMT



American Express Cash Magnet Card Review - Up to $250 Cash Back Bonus

The latest credit card from American Express offers a generous first year bonus, plus unlimited cash back on ordinary purchases. Find out if this card is for you in our American Express Cash Magnetâ„¢ C...

Published:  Fri, 23 Nov 2018 04:19:00 GMT



ACCC Explains the Pros and Cons of Cash Back Credit Cards

Rewards credit cards are offered by many issuers and allow consumers to earn cash back from a percentage of every purchase. Although this sounds enticing, there are often many hidden charges, like ann...

Published:  Wed, 28 Nov 2018 07:11:00 GMT



This Credit Card Has No Fee and Gives You Two Reward Points For Every Dollar Spent. Here's Why It's the Best of 2018

This category is definitely one where the old adage, "Keep it simple, stupid," applies. If you're looking for the best rewards credit card to earn cash back, your focus should be on how much you have ...

Published:  Mon, 24 Sep 2018 03:24:00 GMT



Why your credit cards may deserve a second chance

you might be a good fit for rewards credit cards that earn cash back for your emergency fund or miles for a vacation. Here are factors to consider. Rewards credit cards generally require a credit scor...

Published:  Wed, 03 Oct 2018 10:23:00 GMT



Best Cash Back Credit Cards of 2018

At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from our partners. Here's how we make money. INTRO O...

Published:  Thu, 01 Nov 2018 16:39:00 GMT



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