One of the most popular rewards programs searched for on CardGuys.com are cash back credit cards. With cash back cards, each time you use your credit card for payment you get a percentage of your transaction back – either as a credit made to your account or as a check in the mail. The amount of cash back you earn depends on the credit card you apply for; look for cash back credit cards that offer high percentages in the categories you spend money the most – groceries or gasoline purchases, for example. Search for your cash back credit cards and apply today:
Receive 2,500 bonus points upon your first purchase
Enjoy free Online Shipping
Earn 3 Points per $1 spent at Williams-Sonoma
Earn 1 Point per $1 spent everywhere else
Earn $25 Gift Card bonuses or statement credits
Exclusive access to culinary experiences around the world
Plus no annual fee
Please see terms and conditions for complete detail
Purchase Intro APR
Balance Transfer Intro APR
Good to Excellent
Cash Back Credit Cards: Three Ways to get the Most out of Them
If you have a cash back credit card, you know that these cards offer a bit of cash every time you make a purchase. The deal sounds great; however, not everyone takes full advantage of the cash back reward program. Here are a few things you can do to make sure you really are getting the most out of your cash back card.
Use it for daily purchases. Instead of swiping your debit card at the grocery store, use your cash back credit card. In fact, you could use your card for all sorts of regular purchases, including filling up with gas or department store purchases. Then pay off the balance at the end of the month. You won’t pay anything in interest, and you’ll accumulate plenty of cash back rewards.
Find the best deal. Some credit cards grant you a higher percentage of cash back for certain purchases. Check to see if your card offers more cash back for things like restaurant bills, online shopping, or certain gas stations. Then use the card at these places, and you’ll earn more cash back for each purchase.
Read the fine print. Many cards that grant cash back operate on a tiered basis, meaning that you have to spend a certain amount before you receive a good amount of cash back. If you’re not sure what your card offers, read the fine print listed in the monthly statement or call the company. Then see if you can work out a way to get the highest percentage of cash back offered. This may mean making a large purchase and paying it off right away, or simply using your card for more regular shopping. A word of caution: before you buy a big-ticket item, make sure you can pay off the balance quickly. If you can’t, think twice before using the card. You don’t want to end up making more payments and being charged high interest rates than necessary.
By taking some time to set up a plan for your card, you can get the most cash back possible. Once you have a system set up, the rewards will come in quickly. Then you’ll have to decide how to use all the cash you’ve accumulated in rewards.
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