Best Cash Back Credit Cards
      August 14, 2020

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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


Top Consumer Reviews Articles 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 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.

The pandemic cured my fear of credit cards - and helped me net over $150 in cash-back rewards

After getting out of a minimum-payment cycle she'd been stuck in for years, the author swore off credit cards - until COVID-19 changed her mind.

Published:  Wed, 12 Aug 2020 13:12:00 GMT

The Best Cash-Back Credit Cards, According to Experts

The concept of a cash-back credit card is fairly simple. As Erin Lowry, the author of the personal-finance book Broke Millennial, puts it: "If you make a purchase for $100 and it's a 5 percent ...

Published:  Wed, 05 Aug 2020 15:51:00 GMT

Why I'm Joining Millions Of Americans In Canceling My Airline Credit Card

Moe than 40% of Millennial and 30% of all respondents say they have canceled a travel rewards credit card during COVID-19.

Published:  Thu, 13 Aug 2020 17:21:00 GMT

Better Together: The Best Points-Boosting Credit Card Groupings for Under $100 Per Year

Sometimes two (or three) is better than one. While some enjoy the simplicity of just having one go-to credit card, those who don't mind a little complexity can amplify their point earnings by adding ...

Published:  Thu, 13 Aug 2020 04:13:00 GMT

Best credit cards for back to school shopping

CNBC Select analyzed a variety of credit cards that can help you optimize back-to-school shopping for electronics, supplies, clothing, groceries and more.

Published:  Sun, 09 Aug 2020 11:00:00 GMT

Online bank HMBradley has a new cash-back card with customizable rewards, but you need a corresponding deposit account to apply

You'll earn up to 3% cash back, based on where you spend the most each month. Just keep in mind you need an HMBradley account.

Published:  Wed, 12 Aug 2020 11:28:00 GMT

4 Wallets That Can Help Protect Your Credit Cards From Getting Hacked

Few pieces of personal information are as valuable, literally, as your bank and credit card accounts. You can keep them safe online by using a strong password on your bank's website, but your physical ...

Published:  Wed, 12 Aug 2020 10:26:00 GMT

Best airline credit cards for August 2020

For those who love racking up airline miles with their favorite carrier and wish they could take some of the hassles out of flying, airline credit cards are enticing. These cobranded cards -- offered ...

Published:  Tue, 11 Aug 2020 06:22:00 GMT

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