Cashback Credit Card - Tips For Finding the Right Cash Rebate Card For You

Are you in the market for a cashback credit card? Cash rebate cards are now the most sought after type of credit card. It isn't hard to figure out why really, with the bad economy and all. It just makes sense that people are now very cognizant about stretching their consumer dollars as far as they possibly can.




Cashback Credit Card - Tips For Finding the Right Cash Rebate Card For You

Are you in the market for a cashback credit card? Cash rebate cards are now the most sought after type of credit card. It isn't hard to figure out why really, with the bad economy and all. It just makes sense that people are now very cognizant about stretching their consumer dollars as far as they possibly can.

All of the major banks and financial institutions now feature cashback offers in one form or another. They can be found under the banner of American Express, Discover, MasterCard, and Visa. The challenge is to identify which one best suits your financial needs.

First and foremost it should be stated that before you begin your search it is wise to identify exactly what your specific needs are. Knowing exactly how you spend your money, and by this I mean on what you spend it on, is the key to finding the right cash back credit card.

Different issuers, and different cards from the same issuer, have different features. One may be a cash rebate program for gas purchases while another may feature cash rebates from say, a home improvement center. If you do a lot of specialized purchases in one specific area then perhaps one of those cards would be best for you.

For most people a general cashback credit card is probably the most appropriate fit. When I say general I mean that it can be used in a variety of ways including retail grocery stores, drugstores, gas stations, etc., etc. It's an all purpose card of sorts that can earn the cardholder cash rebates from a multitude of retailers.

When it comes to choosing a particular card I would recommend that you start comparing the offers available from financial service Search. Discover cards have long led the way with their cashback rewards programs. Their cards feature cash rebates up to 5% on many of the things that we purchase each and every day.

Some programs allow the cardholder to choose what categories they would like to be eligible for. An example of that would be if you drive a lot then it would make sense to choose gas rebate as your featured category. It is more or less a customization issue. Capital One features these types of offers.

It is suggested that you visit a comparison website in order to quickly, easily and conveniently compare cashback credit card offers. A credible site will feature all of the top banks and issuers so that you will be able to do a side-by-side comparison to find a card that best fits your needs.

Interested in Finding the Perfect Cashback Credit Card?

Find the right cashback credit card to suit your needs.

Visit http://www.bestcreditquote.com to compare the leading offers.

~Morgan

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Cashback Credit Card for Reward-Loving Individuals

What makes you decide to carry a credit card?

Before, credit cards are exclusive for wealthy individuals who can afford to pay for the high interest rate that comes with it. Thus, only the elite class of the society has the power to make "cashless purchases" using this piece of plastic contraption. However, many credit card companies realized that this kind of product can also be useful to moderate-income individuals in terms of financing their expenditures that their cash cannot handle anymore. That is why majority of Americans nowadays own a single credit card.




Cashback Credit Card for Reward-Loving Individuals

What makes you decide to carry a credit card?

Before, credit cards are exclusive for wealthy individuals who can afford to pay for the high interest rate that comes with it. Thus, only the elite class of the society has the power to make "cashless purchases" using this piece of plastic contraption. However, many credit card companies realized that this kind of product can also be useful to moderate-income individuals in terms of financing their expenditures that their cash cannot handle anymore. That is why majority of Americans nowadays own a single credit card.

Carrying a credit card is not just that you can afford to pay for the interest rate and other applicable charges. Instead, it is one of the best alternatives that you can use in case you run out of cash in times when you need it most. You need to pay for your electric bills, existing mortgages, tuition fees of your children, and other essential expenses yet you do not have enough cash to pay for those expenses. This is when credit cards take charge of all your expenditures in times when you are running out of cash.

Aside from the financial aid provided by credit cards, many individuals find these cards to be quite rewarding as well. The marketing strategy used for attracting potential clients now becomes the ultimate advantage for credit cardholders to use their credit cards for most of their purchases and bill payments.

If you are one of those individuals who want to get something out of using their credit cards, a cashback credit card will certainly work for you. This credit card offers you reward every time you make purchases or pay your monthly obligations using the card itself. Rewards may come into the form of rebates and financial incentives. There are also credit card companies that provide instant points that can be exchanged for premium items such as free airline tickets, free dining pass, or gift certificates.

There are variations in terms of rewards given by cashback credit cards. One of which is cashback credit cards that have zero APR or annual percentage rate on purchases and transfer of balances from credit cards having high interest rates for the first year. In this variation of cashback credit card, you will be able to earn 1 percent back for every purchase that you will make. Aside from earning rebates, you are also entitled to extended warranties, unlimited protection for purchases, and personal accident insurance for the cardholder. As previously mentioned, it is interest-free for the fist 12 months. However, there will be an applicable APR after the introductory period, which is around 10.8 percent, depending on the credit card company.

cashback credit cards are another variation of a particular vendor, is usually provided, such as automobile manufacturers. Just like the previous variation, it has no annual joining fee and APR during the first year introductory period. You will be able to earn rebates at 1 percent rate on any purchase that you will make 1 percent for any vehicle purchase, and as high as 3 percent on purchase of vehicles owned by manufacturers sponsoring the cashback credit cards you are using. Credit card companies tie up with several companies in providing specific rewards to their cardholders in the form of rebates or discounts on purchases.

It feels good that you can expect something out of what you are spending. Who knows, you can fly to the Bahamas or own a brand new Mercedes Benz for free by just using your cashback credit card.

Aaron Ballantyne is the owner of a credit card website with links where you can apply for a credit card which best suits your needs.

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Understanding Credit Cards With Cashback

Credit cards with cashback programs are the best kind of credit cards. But like other cards, their use comes with certain terms and conditions that require scrutiny before signing up...




Understanding Credit Cards With Cashback

To gain more benefits, it is best to understand how credit cards with cashback offers work. The cashback deal is either in the form of actual cash, either to be credited in your account or as cash check, or as gift cards or certificates. Which one works for you?

If you prefer actual cash, it gives you the option on how you will spend the money. This is actually the more practical option since gift cards are only a portion of the actual amount of a merchandise. However, the final decision is always based on what you actually think suits you better. If you prefer, there are also those cards that allow you to choose between the two.

Their popularity is due to a handling fee, which applies business card service. The more purchases made with the card, the more money the card company earns. To encourage cardholders to use them more often, card companies give them a share of these fees through cashback programs.

With cashback, the card company gives back some amount as a reward for spending, following a certain computation based on a certain percentage done after a certain period. Make certain you veer away from credit cards that have point expiration, default rates, or brief grace periods for payments of balance. Also, know which among your purchases are given points and which ones have higher point assignments.

To get the best out of these deals, exercise self control and be regular in paying the remaining balance of your credit. That way, you avoid penalty. Whatever amount you are entitled as cashback may just be used to pay off your penalties so beware. Aside from earning points, you also get to avail of discounts.

Sometimes, card companies only offer cashback when balances are cleared every month. If you can do this, then this may be a good thing to consider as an incentive when you sign up for a credit card. But no matter how attractive the offer may be, devote some time to check the terms and conditions and to compare it with the features of other cards with the same cashback offer. The best place to start is their websites to check and compare.

Because of the good incentives that come with credit cards with cashback programs, only people with really good credit ratings are given this type of card. If you want to avail of such, make sure you maintain good credit history to qualify. And even if you qualify, it is very important that you choose your card well, taking note of the charges and conditions of use and the rules in claiming rewards. And most importantly, make use of your card responsibly and with restraint to avoid getting in trouble because of credit card debt.

Laura Evert is an author who likes to give tips and ideas about credit cards, credit cards applications and personal finance. To learn more about 0 APR Balance Transfers, visit the website creditcardflyers.com

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Is Cashback The Future For Credit Cards?

Cashback is a feature of credit cards that is rapidly growing in popularity. Why is this and how could you benefit?




Is Cashback The Future For Credit Cards?

For several years now, one of the most sought after features on a credit card has been a long 0% balance transfer deal, almost to the exclusion of any other feature except maybe the headline interest rate of the card. More recently though, balance transfers have become less popular, not least because of the introduction of transfer handling fees, and there's now a new feature that more and more customers are considering to be of higher importance, namely cashback.

According to recent research, over a fifth of us now use a card that offers cashback or a rewards scheme, and the number has recently overtaken that of balance transfer users for the first time. So why has a seemingly simple feature such as cashback displaced the once mighty balance transfer deal in our priorities?

Credit cards have always suffered from the perception that they are expensive to use, with high interest charges and penalty fees - a reputation, it has to be said, that isn't altogether undeserved. Cashback cards give us the opportunity to turn that on its head, and actually come out on top financially by using our cards for everyday purchases.

For every purchase you make, a cashback card will effectively give you a refund of a small percentage of the purchase price. In the early days of cashback, this percentage was so small it was hardly worth considering - a 0.25% rebate was virtually worthless to most people with moderate spending habits. These days, however, 3%, data not unusual as an initial offer more attractive rates than are. This kind of rebate is definitely worth having, and if you use your cashback card for all of your day to day shopping, the numbers can mount up surprisingly quickly.

What's more, if you use your card purely as a convenient payment method and not as a means of borrowing, and repay your full balance every month, then you'll avoid paying any interest fees or charges. This means that the money you 'earn' through cashback is totally free money - you're being paid simply to buy your usual shopping with a card rather than with cash.

Sounds good? Well, it's not hard to see why this kind of card has increased in popularity, but there are a couple of points to think about before applying for an account.

The main problem is that most of the time, you'll only receive your cashback once a year, either by check or refund to your account. This is fine for most people, but the cashback offer will be dependent on you sticking to the credit agreement. If, even accidentally, you make a late payment then you'll have broken the terms of your agreement and will lose all the rebate you've been building up. Keeping up to date with your repayments is therefore even more essential than normal with a cashback card.

Secondly, many cards feature a 'spending limit' over which no cashback will be earned. Most such limits are fairly generous, but check to make sure your expected annual spending on the card is within this limit if you want to maximise how much total rebate you can get.

So, are cashback cards the future? If you're a regular spender who can clear your balance in full every month, then they are very worthwhile indeed, but if you're planning to carry a balance then you might be better served by getting a card with a lower standard rate and no cashback or rewards feature.

Michael Strauss has been writing on personal finance for several years and currently writes for CardSense UK, your source for credit cards, cashback credit cards and 0% balance transfer offers.

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Cashback Credit Cards vs Reward - What's the Right One?

Not sure how to choose between a cashback credit card and a reward credit card? Here are a few hints on how to compare credit cards to help you decide which one is the right one for you.




Cashback Credit Cards vs Reward - What's the Right One?

Not sure how to choose between a cashback credit card and a reward credit card? Here are a few hints on how to compare credit cards to help you decide which one is the right one for you.

Definitions:
A cashback credit card gives you - what else? - cash back on your purchases made with that credit card. The amount is usually a percentage of the purchase from .5% to 5% on certain purchases. Depending on the particular card, the cash back may be a flat rate on any purchase that you make, a percentage of certain qualifying purchases or a combination of the two.

Example: The Morgan Stanley Platinum gives you 1% cash back on the first £2,000 that you charge to your card each year, plus .5% of the rest of your purchases up to your credit limit. They issue you a check once a year for the amount of your cash back.

Example: The American Express Platinum cashback credit card gives you 2% cash back on all your purchases for the first three months, then 1% on all your purchases for as long as you use your card.

Other cashback credit cards may offer you cash back on purchases made at certain merchants, or on a certain kind of purchase like gasoline.

Rewards credit cards also pay you back for using them, but the payoff may be in points or miles or some other scheme. When you use rewards credit cards to make purchases, you'll earn points or miles that you can spend on products offered by the reward programme that your credit card company manages. The products offered in the rewards programme depend on the merchants and manufacturers with whom your card company has partnered.

Example: The American Express Nectar Credit Card is a typical rewards credit card. For every £1 that you spend, you'll earn 4 nectar points. In addition, many of the participating retailers offer extra nectar points as an incentive to make remuneration from them - currently, for example, you can earn double Nectar points for every purchase of BP's fuel of 25 liters or more. You can redeem your points from the membership rewards catalogue that includes luxury merchandise from Bodum, Alessi, Conde Nast and many others.

Compare Credit Cards to find which is best for you
There's a lot more to comparing credit cards than deciding which one gives you the most points or cash back though. There are some really good comparison sites that make it easy to compare cashback credit cards side by side so that you can see APRs, fees and any restrictions that may make a difference in choosing the right card for your needs. Some considerations that may apply include:

- You'll get slightly less value in cash back than in reward points, generally - but there's no restriction on where you can spend your cash.

- A rewards credit card that partners with merchants you patronize or offers merchandise you'd purchase anyway may be a better deal for you than the smaller amount of cash back.

- When and how the rewards are paid can make a difference. Usually, reward points can be redeemed at any time, but cashback is only sent back at one time in the year.

- Rewards and cash back may be offset by slightly higher interest rates. If you typically carry a balance from month to month, then the interest charges may cost you more than the cashback benefits.

In the end, choosing the right credit card is all about what works best for you. Good comparison sites can help you compare credit cards and choose the best cash back or rewards credit cards for your needs.

Jon Francis has been involved in various areas with the world of finance and has a keen eye for a bargin! He has an in-depth knowledge of the credit card UK market and now helps others get the best from a credit card.

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Shopping for Cashback Credit Cards - A Short Guide

Deciding on what credits cards to apply for can be an intimidating process for many consumers. Cashback credit cards always sound enticing-who wouldn't like to get a check back at the end of the year based on the amount of purchases they made during the year? That seems like free money. Of course, one of the principle tenets of business is that there is no free lunch.




Shopping for Cashback Credit Cards - A Short Guide

Deciding on what credits cards to apply for can be an intimidating process for many consumers. Cashback credit cards always sound enticing--who wouldn't like to get a check back at the end of the year based on the amount of purchases they made during the year? That seems like free money. Of course, one of the principle tenets of business is that there is no free lunch.

Those who choose to use them should be aware that there are likely to be added costs that help the issuing bank recoup the money paid to the consumer in cash payments. However, the term used by Cashback cards can vary widely, and people who understand exactly how these programs can work structure rewards card usage to take maximum advantage of the Cashback credit card account structure.

The earliest ones used a very simple flat percentage method of calculating cash back rewards. These programs typically specified a small percentage (normally one percent or smaller) of the total amount of purchases made on the card that would be returned to the consumer in the form of either a cash payment or a balance credit. However, many of these flat rate programs have changed to become based on tier based approach.

This means that those who charge only a small amount on them receive only a small percentage of their purchases back as cash, whereas large spenders receive a higher percentage of their balance back. This has several advantages for banks that issue cashback credit cards. In the first place, it lets them trumpet the generous amount of money that they return (stating only in the fine print that the rewards level varies with usage). Second, it encourages users to use their card more, and therefore pay more interest fees, if they want to get a higher percentage of their purchases back as cash by charging enough to move up to the next tier.

They also have different methods of dispersing cash back rewards. Some of them will automatically cut the consumer a check at certain times of the year, whereas others will automatically apply the cash back reward to the outstanding balance. Some cashback credit cards require consumers to specifically request their cash back rewards. It is important for all consumers to fully understand how theirs work and what they have to do to receive their rewards.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning the Best Cashback Credit Cards, including assistance with the Discover Platinum Card. Get the information you are seeking now by visiting BestCreditQuote.com.

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The Cashback Credit Card

If you are considering applying for a cashback credit card, it's a good idea to do some comparison shopping, as the credit card companies offer many different kinds of cashback programs; fees, benefits and interest rates can all vary, sometimes a great deal. Many offer low or 0% interest introductory rates on balance transfers and/or purchases for periods of up to 12 months. Sometimes it's possible to get a cashback credit card that allows one to accumulate "perks" such as frequent flyer miles and discounts on travel and entertainment expenses. Again, these can vary from one company to another, and even among cards offered by the same company, so it pays to compare.




The Cashback Credit Card

Those with credit scores in the "good" to "excellent" range (generally 700+) can often benefit from using a cashback credit card. These offer additional value on goods and services that you purchase every day.

If you are considering applying for a cashback credit card, it's a good idea to do some comparison shopping, as the credit card companies offer many different kinds of cashback programs; fees, benefits and interest rates can all vary, sometimes a great deal. Many offer low 0% introductory interest on balance transfers and / or purchases for periods up to 12 months. Sometimes it's possible to get a cashback credit card that allows one to accumulate "perks" such as frequent flyer miles and discounts on travel and entertainment expenses. Again, these can vary from one company to another, and even among cards offered by the same company, so it pays to compare.

Chase Free Rewards Visa Card

This cashback credit card offers an introductory 0% interest rate for the first 12 months. Cardholders receive 1,000 Bonus points upon making their first purchase, and an additional point for every dollar they spend; once they have accumulated 2,500, cardholders are eligible to receive $25 back or as gift certificate in that amount from any one of several participating merchants.

Chase Flexible Rewards Platinum Visa Card

Those who do not qualify for the Free Rewards Visa may find this cashback credit card useful. Flexible Rewards offers an introductory 0% APR on balance transfers and purchases for the initial six months; cardholders earn one point for every $1.00 spent, which can be redeemed for a wide range of travel-related expenses that includes airfare, hotel rooms and rental vehicles.

Chase PerfectCard MasterCard

At today's fuel costs, this is perhaps one of the most handy cashback credit cards to have, as cardholders receive a 6% rebate on gasoline purchases made during the initial six month period, and continue to enjoy 3% cash back after that as well as 1% on all other purchases. In addition, cardholders will enjoy a six-month introductory interest rate of 0% on all balance transfers and purchases.

One From American Express

This is literally a cashback credit card with no limits. 1% of eligible purchases is deposited into a high-yield saving account in your name that is backed by the FDIC. There is an annual fee of $35, but this is waived for the first twelve months.

Discover® More Card

The Discover cashback credit card offers the most in terms of rewards. After an introductory 0% APR on balance transfers and purchases for up to 12 months, cardholders can earn unlimited cash rewards and enjoy up to 20% rebates on purchases from selected online merchants.

Susan Slobac is a personal financial advisor. She specializes in working with individuals to improve their credit rating, build assets and maximize the benefits of cash back credit cards.

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