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      April 21, 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 Cash Back Credit Cards Compare

There is no cash back card that is best for everyone because each person and household has different spending habits. Selecting the right cash back credit card can be a difficult process. Credit card companies are required to disclose all the information about the card but that means a lot of fine print reading for potential customers. Here are some tips to help get you started on the right track. Remember, you want to select a card that works for your current lifestyle while putting the maximum amount of money back in your pocket.

A small percentage of cash back cards have an annual fee. These fees typically range from $20-$40 each year. The benefit package and the amount you spend are something to consider when looking at cards with fees. A person who uses the card for many purchases would likely have benefits that outweigh the fees. These cards offer better packages and higher percentages back. There are always exceptions, so make sure you consider where you are spending your money and how much you will be charging on your card. If you find a card with a great benefits package but an annual fee – shop around a little longer. With so many options available you may be able to find one with a lower fee (or none at all) that offers a similar rewards package.

Though most cards offer a flat percentage back on your purchases, there are cards that offer higher percentages back on “everyday purchases.” These include categories such as groceries, gas and restaurants. When comparing cards this is something to consider. Another option you will see is tiered cards. These cards offer a greater percentage of cash back when you reach a certain amount on your card. Cash back credit cards may also offer other benefits aside from cash back such as discounts at stores, cash advantages and annual bonuses.

Cards offer their rewards at different times. Some of them reward you annually and others may reward you once a month (or another frequency) or when you reach a certain balance. This usually comes down to a person’s preference. Maybe you would prefer a lump sum once a year or you might prefer small amounts more frequently. Some cards have a maximum amount of rewards you can earn each year. Look for this in the fine print and make sure it doesn’t exceed what you plan to spend. If it does, chances are there is a better card out there for you.

With multiple options for cash back credit cards, it is likely that there is a card will work well for you. Look for cards with the highest payout for the purchases you spend the most on.

Points or Cash-Back Credit Cards The 2018 Guide

Choosing between a cash-back credit and a points credit card is one of those personal finance decisions that can have ripple effects you might not think about at first. A points card might result in a free flight to Tokyo, but a cash-back card might ...

Published:  Fri, 20 Apr 2018 13:41:00 GMT



How Does a Cash Back Credit Card Work

These credit cards have either a low on-going interest rate, low introductory interest rate, or low on-going fees. Most of these cards also have reasonable rewards programs and additional card perks. Rewards are one of the most requested features in credit ...

Published:  Wed, 18 Apr 2018 08:58:00 GMT



The Best Cash-back Credit Cards for Travelers

Typically, travelers searching for a new credit card have to decide between cards with great rewards (think: airline-branded credit cards, hotel-branded credit cards, and even gas station-sponsored cards) and those with excellent cash-back benefits.

Published:  Wed, 11 Apr 2018 02:30:00 GMT



PenFed's new card pays 2% cash back

The nation's third-largest credit union has just unveiled a credit card that pays 2 percent cash back on all purchases, and charges no annual fee. If you don't mind the legwork, Pentagon Federal Credit Union's offer is a decent one. CARD SEARCH ...

Published:  Sun, 15 Apr 2018 15:14:00 GMT



Should I always use my Costco credit card at Costco

Another flaw with the Costco cards is when you receive your cash back. With these cards, you receive your cash back just once a year, as an annual credit card reward certificate once your February billing statement closes. You can then redeem it for cash ...

Published:  Thu, 19 Apr 2018 05:10:00 GMT



Millennials prefer cash to credit cards and are gun-shy to debt, new study indicates

they won't pay an annual fee for a credit card. Redeeming rewards needs to be as easy as one click for Millennials because they know it's possible and they won't settle for anything that's not digitally up to speed. They want cash back, and they ...

Published:  Thu, 12 Apr 2018 06:03:00 GMT



Here's how you're losing out on credit card rewards

A better alternative: a cash-back rewards card, which lets you redeems those rewards ... "Especially around life changes, think about what your credit card is doing and if it's really the best fit for you," Myhre-Nunes said. NextAdvisor's online survey ...

Published:  Mon, 16 Apr 2018 11:25:00 GMT



I save my credit card points to book flights in business and first class - here's why I don't use them on coach seats

If you have the Sapphire Preferred card, you can purchase travel through Chase ... a quarter of how many miles or points you would have needed with cash back or a statement credit. In the world of "travel hacking," there's a lot of debate about how ...

Published:  Mon, 16 Apr 2018 12:51:00 GMT



How to Get a Business Credit Card With No Credit History

you can request up to 10 employee cards for your account so that your team can easily use your line of credit without every purchase having to be funneled through you. Rewards program. Cash back is a relative rarity in the world of secured credit cards ...

Published:  Mon, 16 Apr 2018 09:30:00 GMT



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