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2019

Cash Back Credit Card Reviews

What are the best Cash Back Credit Cards? Choosing the right cash back credit card can allow you to earn money on both big and small purchases - cash that you can use however you like, and whenever you want.

The Best Cash Back Credit Cards

Many cash back credit cards exist today that compete for your business. These cards pay you a percentage back on all purchases, and some give additional rewards from specific retailers. Some of the savviest money managers use cash back credit cards for all of their purchases. They pay off their balance each month, and take their cash back rewards to the bank.

When looking for the right cash back credit card, you need to consider several factors. Some of these include:

  • Grace period. If your plan is to earn cash back on purchases and avoid interest charges by paying off the balance each month, you'll want to consider how much time you have to pay off your balance before it starts accruing interest charges.
  • Interest rates, penalties and annual fees. If you plan on carrying a balance on your cash back credit card, you'll want to make sure you get the best interest rate possible. You'll want to understand the penalties and whether the credit card charges an annual fee.
  • Perks. Not all cash back credit cards provide the same level of rewards program. If you're looking for cash back, make sure you understand how the rewards are calculated, if they expire, and how much money you can expect to earn on your purchases.

The Best Cash Back Credit Cards

TopConsumerReviews.com has reviewed and ranked the best cash back credit cards available today. We hope these reviews help you find the best cash back credit card to help your bottom line!

 

How Cash Back Credit Cards Work

Every time you swipe your card, the store merchant must pay the credit card company a small fee or a percentage of the sale. A portion of this fee is given back to the consumer in the form of a cash back reward. Cash back cards encourage consumers to use their credit cards for everyday purchases and the credit card company benefits from the store fees and passes some of the money back to the consumer.

Every card has a different system for how you redeem and receive your rewards. Some are automatically applied to your statement or are sent in the mail. With other cards, you must manually redeem your rewards (usually on the credit card website). Some offer money back on a monthly basis while others may send the cash back at the end of the year. Some other credit cards require a minimum balance to be released before you earn your rewards. Typically customers will receive the money back as a credit on their account or as a check or cash card in the mail.

Most of credit cards keep track of your cash back rewards with a point system (or something similar). For example, some cards may give you two points for every dollar spent on groceries. 1000 points may equal $10 in cash back. So if you spent $500 dollars on groceries, you would be eligible for $5 back. Often credit card companies have partnerships with other larger companies. Making a purchase from a store that has a partnership with your credit card company would mean a higher percentage of cash back rewards from that purchase. This might mean that different stores offer more or less points for purchases made there.

Another way cash back credit cards are able to offer rewards are from annual fees and interest accrued. While some credit cards have no annual fee, often cash back cards with bigger reward packages have some type of annual fee. Make sure your rewards are going to offset the annual fee you may be required to pay. You want to use the card to your advantage. Cash back rewards cards have higher interest rates than most other cards to help offset the reward costs. It is important to remember to pay off your purchases on a monthly basis to avoid high interest charges. This will allow you to enjoy the benefits and while paying little to no interest on purchases. Those that carry a balance from month to month will end up owing far more in interest charges than what they will receive as rewards

Always pay attention to the fine print. Many customers rush to sign up for a card that offers 5% back on all purchase, but miss the part about it being an introductory offer. While this is a good incentive and one to consider, make sure you think about how the card and its benefits will look for you long term.

 

Capital One Savor Now Offers 8% Cash Back on Vivid Seat Purchases

The cards included in these categories offer various types of rewards programs, including cash back, points, travel and airline rewards. Cash Back Credit Cards Airline Credit Cards Dining Rewards ...

Published:  Tue, 19 Mar 2019 06:13:00 GMT



How Business Credit Cards Work

As you weigh your options, look for business credit cards that come with lucrative rewards programs that reward the kind of spending you do -- but make sure they're rewards you'll actually want to use ...

Published:  Tue, 19 Mar 2019 06:39:00 GMT



Capital One has a new partnership with ticket reseller Vivid Seats - Savor cardholders can earn 8% cash back

Capital One has announced a new benefit for cardholders who use its Savor Rewards credit card ... The refresh unveiled a new Savor card with one of the more competitive rewards offerings on the market ...

Published:  Tue, 19 Mar 2019 06:07:00 GMT



Best Reward Cards: Top Rewards Credit Card Programs

The top reward credit cards cater to an array of desires. Whether you want to get cash back or earn miles and points toward free travel, the cards below are all a great place to get started. This card ...

Published:  Wed, 20 Mar 2019 00:07:00 GMT



Best credit cards for home improvement and gardening

Cash Rewards credit card. With this card, you'll earn 3% cash back on one of six bonus categories of your choosing, including home improvement/furnishings. (The other categories are gas, online ...

Published:  Tue, 19 Mar 2019 17:18:26 GMT



Forget cash, this debit card offers 'stock back'

The rewards start at 0.125% of spending, less than some other cash-back credit cards, though the company said the rate could reach as much as 5% depending on deals and promotions. For purchases at, ...

Published:  Tue, 12 Mar 2019 07:07:00 GMT



Best Cash Back Credit Cards of March 2019

At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Here's how we make ...

Published:  Fri, 15 Mar 2019 09:52:00 GMT



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