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How Cash Back Credit Cards Compare

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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.

Not just credit cards: More retail apps are offer ways to get cash back

NEW YORK - Cash back is not just for credit cards. More apps and websites are offering ways to earn money on the stuff you buy - as long as you're willing to sign up and make a few taps or clicks. Groupon, RetailMeNot and others work with restaurants ...

Published:  Sat, 16 Jun 2018 05:00:00 GMT



The best cash back credit card if you don't have a great credit score

Most cash back cards require you to have good-to-excellent credit, meaning a credit score of 700 to 850, but some offer great rewards for those with lower scores. One card stood out as the best choice for those with average credit. While it doesn't quite ...

Published:  Fri, 15 Jun 2018 10:24:00 GMT



Amex's new Cash Magnet card is here - but there's a better cash-back card for your wallet

Business Insider may receive a commission from The Points Guy Affiliate Network. On June 14, credit card issuer American Express announced a new cash back card, the American Express Cash Magnet Card. The no-annual-fee card offers unlimited 1.5% cash back ...

Published:  Fri, 15 Jun 2018 07:01:00 GMT



Create virtual credit card numbers and get cash back from Privacy.com

Take note that these rebates are provided in the form of Privacy credit, which you can spend using any Privacy card. So it's not cash in the strictest sense, but nearly as good. I haven't put Privacy to the full test yet, as I had some wrinkles getting my ...

Published:  Tue, 12 Jun 2018 06:00:11 GMT



Privacy virtual credit card service adds cash back for online transactions

Privacy launched its free service that allows shoppers to use virtual "burner" cards for all your online transactions - making your financial details anonymous on the internet. On Tuesday, June 12, the company officially launched a cash-back program ...

Published:  Tue, 12 Jun 2018 10:44:00 GMT



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