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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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TopConsumerReviews.com provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

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.

The best credit cards for college students

The best credit cards for college students have a few things in common: They offer forgiving policies, robust points reward systems or cash back opportunities, and they're geared towards people who ...

Published:  Mon, 22 Jul 2019 13:31:00 GMT



Miles, points or cash back - how credit card rewards work and figuring out which one is best for you

How credit card rewards work and the tricks people use to get the most out... Invest in You: Ready. Set. Grow. Credit card rewards can be a great tool to get more out of your purchases - if you know ...

Published:  Fri, 19 Jul 2019 11:49:00 GMT



Amazon has a no-fee credit card Prime members should strongly consider - if only for the 5% cash back on all Amazon and Whole Foods purchases

An image of a chain link. It symobilizes a website link url. An envelope. It indicates the ability to send an email. A stylized bird with an open mouth, tweeting. The word "in". A stylized letter F. ...

Published:  Mon, 15 Jul 2019 08:11:00 GMT



This Week In Credit Card News: Protecting Healthcare Data; Mobile Banking Overtakes In-Person Visits

... for Small Businesses American Express announced that it's releasing a new credit card for small businesses. The new American Express Blue Business Cash Card is a cash-back credit card that comes ...

Published:  Fri, 19 Jul 2019 12:17:00 GMT



How to Protect Your Credit Cards From Pickpockets and Fraudsters

Credit card companies also have their own methods to spot fraud ... They can get you a new card and begin the process of reversing fraudulent charges. This may be the perfect cash back card! That's ...

Published:  Mon, 22 Jul 2019 08:04:00 GMT



I have almost 30 credit cards - here's how I keep track of pay dates, benefits, and rewards balances

The site tracks a mind-boggling number of award programs: almost every airline you've heard of (and plenty you haven't), hotel loyalty programs, credit card rewards points and cash-back balances, ...

Published:  Sat, 20 Jul 2019 08:34:00 GMT



AmEx Launches 2% Cash-Back Small-Business Credit Card

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn't influence our ...

Published:  Thu, 18 Jul 2019 07:30:00 GMT



American Express just announced a new credit card for small businesses

American Express announced today that it's releasing a new credit card for small businesses - and the included perks, rewards and features make the card worth considering. The new American Express ...

Published:  Thu, 18 Jul 2019 11:11:00 GMT



Customized cash back could be the best thing to happen to millennials' credit cards

If you purchase something through MashStash, Mashable might earn some cash through an affiliate commission. If you don't have 3-D printed shoes and your own personal emoji, are you even really ...

Published:  Thu, 31 Jan 2019 06:38:00 GMT



Reno Pot Store Uses 'Food Truck' Label for Credit Card Sales

"It's not even back door, it's more like an upper window," Jeremy ... Skaff also helps marijuana-related businesses find ways to handle less cash day-to-day without credit cards by using debit cards, ...

Published:  Sat, 20 Jul 2019 19:16:00 GMT



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