Cash Back Credit Cards
When selecting a credit card offer, most people focus on finding the one with the lowest rates and fees.
If you maintain a balance on your credit card these factors are of primary importance. However, for those people
who do not keep a balance, finding a card that offers incentives or rewards for purchases may be just as important.
In this case, identifying a card with a low annual fee is important, and finding the right reward offer is
The market for reward credit cards has exploded recently and there are numerous reward cards to choose from. The
most straight forward reward credit cards are those that offer cash back on purchases. Other rewards may be based
on the types of purchases you make, the places you shop, or the number of times you use your credit card. When
deciding on the right reward card for you, consider 2 cash back credit cards that are the most
2 Cash Back Credit Cards - How It Works
First, the simplest reward card is one that offers a straight percentage of cash back for credit card purchases.
Typically, these cards send you a check at the end of the year for a straight percentage of your total amount spent
on the card. For example, if you charged $10,000 in one year on a credit card offering 2% cash back, you would
receive a check for $200. This reward system is ideal for personal use for people who make a variety of purchases
on credit. The cash back can be used to pay the balance of future credit purchases, it can be saved, or it can be
spent as cash.
2 Cash Back Credit Cards - Further Options
Second, some offers may offer higher percent cash back (up to 5% in some cases) on certain types of purchases. This
offer may be more rewarding for people who use credit cards to make only certain types of purchases. This reward
option may also be ideal for business credit card purchases as businesses usually make repeated high volume
purchases of particular items, often from the same store. Some of these cash back credit card offers may restrict
the stores which offer cash back purchases, and there may be terms that limit the amount of cash back one can
accrue. Be sure you read and understand the fine print of the terms of any cash back credit card offer you
If you are in the market for a new credit card and intend to pay off outstanding balance every month, consider
2 cash back credit card options. With a little research and the right offer, you can actually save money
while making necessary purchases.
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