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The benefits of cash back credit cards

There are a number of credit cards available on the market and Cash Back credit cards are one of the most popular among them all. The idea of cash back is that you’re rewarded when you use the credit card to buy things. This means that the more you spend, the more you stand to gain by way of cash back. This can take the form of rewards, points, or cash. Cash Back credit cards are offered to people who enjoy an excellent credit rating.

The structure of the cash back system varies between card issuers. Some give you a bonus at the end of every month. Some others accumulate the cash back and deduct it from your outstanding balance. There are other issuers who offer a higher reward percentage on specific purchases, while some others offer a reward on all purchases.
The biggest benefit of Cash Back credit cards is that it helps you save money, Especially if you make big purchases. Things like buying electronics or redecorating your home can help bring in a lot of cash back rewards. Generally card issuers offer 2% as cashback on average. You can even get a percentage as high as 5%. Stay on the lookout for these offers before swiping your cash back card.

Those with high credit scores are offered the best cash back cards with extensive rewards. Either you can let the bonus accumulate and use it for the next big purchase. You can also adjust the credit earned against your outstanding limit.

An online comparison can help you find the best cards with rewarding cash back offers.
Here’s a list of cash back cards that offer huge savings.
â Capital One QuickSilver
You earn unlimited cash back of 1.5% on every purchase every day. There’s also a one-time bonus of $100 when you spend $ 500 within 3 months of approval. There are no annual fees and foreign transaction fees. For the first 9 months, you enjoy 0% APR intro on balance transfer.
â Citi Double Cash Card
You earn double cashback on every purchase, along with unlimited 1% cashback when you buy. There’s also an additional 1% when you pay for purchases. But balance transfers don’t earn cash back.
â Discover It CashBack Match
At the end of the first year, you get a dollar for dollar match for the cashback you earn throughout the year. You earn 5% cashback when you spend at gas stations, Amazon, restaurants, and wholesale clubs . Other purchases qualify for 1% cashback. The selling point of this card is that there’s no expiry date for the cash rewards. You can redeem anytime for any amount.

Cashback credit cards are attractive to say the last. But they have their share of disadvantages as well. First, they have high APR rates. You’ll be paying a much higher interest on your outstanding balance when compared to a standard card. Furthermore, the card issuer might change the category of expenditure that qualifies for cash back. They can also specify a maximum limit on the cashback, notwithstanding the quantum of purchases made all year round.

If you use cash back cards judiciously, keeping track of issuer policies, you can get the most benefits out of them.

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