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      April 20, 2019

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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.

The best cash-back credit cards of 2019

Business Insider may receive a commission from The Points Guy Affiliate Network if you apply for a credit card, but our reporting and recommendations are always independent and objective. When you're ...

Published:  Thu, 18 Apr 2019 14:27:00 GMT



How to Get the Most From Cash-Back Credit Cards

Credit cards often give you much more than buying power. You can earn free flights, free nights at hotels, gift cards -- and some credit cards give you cash. That's right: They put money back in ...

Published:  Sat, 06 Apr 2019 09:19:00 GMT



HSBC Cash Rewards Card Offers 3% Back in Year 1; Gold Card Trims Intro APR

The biggest change is to the HSBC Cash Rewards Mastercard® credit card. The $0-annual-fee card has ditched its upfront sign-up bonus and now offers an introductory 3% cash back on all purchases in the ...

Published:  Mon, 15 Apr 2019 06:48:00 GMT



Grocery Cash-Back Card FAQ

Consumer Reports has no financial relationship with advertisers on this site. If you've chosen a particular cash-back credit card because it offers generous incentives for grocery purchases, you may ...

Published:  Tue, 09 Apr 2019 13:25:39 GMT



What You Don't Know About Your Grocery Cash-Back Card Could Cost You

If you've chosen a particular cash-back credit card because it offers generous incentives for grocery purchases, you may not be reaping all of the benefits you expect. That's for one simple reason. It ...

Published:  Tue, 09 Apr 2019 13:30:00 GMT



Upgrade to one of the best business credit cards and get $500 cash back

Heads up! We share savvy shopping and personal finance tips to put extra cash in your wallet. Mobile Nations may receive a commission from The Points Guy Affiliate Network. For starters, cardholders ...

Published:  Tue, 16 Apr 2019 11:03:00 GMT



Corporate Credit Card

The employee's signature goes on the back of the card, just as it would on ... emergency card replacement and cash disbursement, and car rental collision damage waivers. Read the fine print on the ...

Published:  Fri, 19 Apr 2019 14:14:00 GMT



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