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Don’t Just Spend Cash…Get Some Back!

Did you know that certain credit cards actually give you cash back on the purchases you make? Cash back credit cards are becoming extremely popular for this reason – and why not? You spend enough on your credit cards, make your payments on time, and have a good credit history – so it’s time to start getting something back from your credit card!

What are Cash Back Credit Cards?

With a cash back credit card, you’re paid back a certain percentage of each purchase you make. This is usually about 1% to 2%; however some cards can pay an even higher percentage (depending on the actual purchase). Plus, you can even receive valuable benefits such as travel rewards, purchase protection, and special discounts at select retailers!

Now that you know the huge value you can receive from a cash back credit card, which one should you choose? We recommend finding a cash back credit card that will give you the MOST back for your purchases. Here are some tips for finding the best cash back credit cards:

Decide what is most important to you. Do you just want the cash back rewards, or are you looking for more…perks? Some cash back credit cards also offer travel discounts, gas points, frequent flyer miles, gift cards…the list of possible benefits goes on! Think about what you want to get from your cash back credit card, and then look for offers that meet your needs.
Look for the best cash back percentage. This goes beyond just the advertised top tier offer. Dig deep and read the fine print so you know the actual cash back you’ll be receiving – and for which purchases. Some cash back credit cards offer higher cash back percentages for purchases at grocery stores, convenience stores, gas stations, etc. Others offer cash back on purchases through certain retailers. Think about your current credit card spending habits and narrow your choices based on where you’ll gain the most rewards for your purchases.
How will you receive your cash back? Some cash back credit cards will deduct your rewards from your total credit card bill on a yearly basis, while others will simply send you a check. Check with the individual credit card companies to find out how they pay their cash back rewards, then decide which one you would prefer.
Compare APRs. Many cash back credit cards offer low interest rates for good credit and on-time payment. Again, read the fine print and make sure you choose a card with not only the best cash back percentages, but also the lowest APR.

Ready to find your new cash back credit card? Let iCreditCentral help! We offer several cash back credit cards, so you can compare offers and choose the best card with the most cash back rewards.

Don’t just spend money - earn cash back! Apply today and start reaping the rewards!