Category Archives: Cashback Credit Card

Is a CashBack Credit Card In Your Future?

When shopping for new credit cards, often, consumers make the mistake of focusing mainly on the two factors that we hear about the most: the interest rate and the card fees. While these two characteristics are very important and should be considered carefully, there is much more to look at than just APR and fees. Often, these are the items that are evaluated the most because a majority of credit card customers don’t pay their cards in full each month. This makes APR become a major factor.

Some people do practice good credit habits and pay their cards off in full each month. For them, the APR or annual percentage rate isn’t quite as important. If you are one of those people, you should look into a cash back credit card.

Does a cash back credit card mean that at certain times you will receive an envelope with crisp new cash to spend on whatever you want? No, but some cards are not far off of that. If you are looking for a card that is purely a cash back card, you will find many credit cards that send you a rebate check normally once a year that equals some percentage of your purchases.

Just like the APR, credit card companies often do not make it very easy for you to calculate your rebate. While the practice of confusing calculations to throw off the consumer is getting more transparent and simpler to understand, it still usually isn’t as easy as 3% of your annual purchases.

Do you remember Discover credit cards? This card was introduced in the mid 1980s as the first card to offer a cash back rebate and no annual fee. In the 80’s, these two card benefits were virtually unheard of to consumers. So, coupled with lower merchant fees for the retailers, this made the discover card a hit.

While it didn’t overtake rivals like Visa or American Express, it did force these companies to offer cash back cards of their own. From then until now, cash back cards have been a staple with nearly every credit card company or issuing bank offering at least one.

Since the 1980’s, cash back rewards cards have evolved. Now, not only can the consumers have a card that pays a cash rebate, other cards also pay the rebate in the form of airline miles, gas rewards, charitable donations, or investment products like 529 college funds. The consumer can find reward cards in just about any category where they are spending the most.

Most cards like this will require you to have good or excellent credit. There are a small amount of cards that offer those with damaged credit a chance to financially rebuild while still earning rewards points. Those cards are rare though.

Remember one very important thing: Just because it offers you points, rebates, and gadgets and trinkets, that doesn’t mean that you should allow yourself to get into interest trouble just to get your rebates. You cannot hold a balance on your card because the interest rate you are paying will be more than your rewards so in the end you will still lose money.

Start earning cash rebates with all of your credit card purchases today! Check out the best cash back credit card. If you drive a lot, consider applying for one of these gas rewards credit cards and earn extra cash back on your gas.

Travel Hack 002 – I don’t like Double Cash Back Credit Cards!

< object type= "application/x-shockwave-flash" design= "size:425 px; elevation:355 px;" information="//" >< param name= "film" value ="//"/ > This video clip covers my viewpoint on money back cards like CapitalOne Endeavor, Citi Dual Money, Barclay Arrival And also Globe Elite as well as Quicksilver cards.

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What is Cashback on Credit Cards – Back to YOU!

What is Cashback on Credit Cards - Back to YOU!

What is Cashback on Credit Cards – Back to YOU!

Cashback on credit cards means that when you
use specific credit cards you get a percentage of
money back on certain things that you buy.

You need to read the fine print when you
sign up for this kind of credit card.

The credit cards that have been publicized a lot
lately, and are the most popular are:
Chase Freedom and
Discover It.

If you like cashback like I do, then you will
love this company that fell into my lap.

I shop a lot online and I’ve been getting cashback
in stores that I usually shop at anyway.

You’ve got to check it out! You get cashback
at over 3,000 stores in the US and even more globally!

I’m sold.

So now I use my cashback credit card AND I shop online
with this great cashback company.

That gets me A LOT of money back in my pocekt.

Click here to join for FREE:

3 Reasons Why You Need A Cash Back Credit Card

If you’re like most people, then you probably already have a credit card to help you consolidate your expenses, cover you in case of emergency, or finance large purchases. However, you need to know that if that card isn’t a cash back credit card, then you’re not even coming close to getting everything you can out of your credit. The truth is, credit isn’t just about simple convenience anymore. More and more credit companies are finding out that if they want your business, then they need to offer their customers something extra when it comes to the programs they choose.

1. Using any card other than a cash back credit card means you’re losing money.

Everyday, run of the mill credit cards just offer you the convenience of using the card and that’s it. However, a cash back reward card actually offers you something in return – a cash return on every single purchase you make on the card itself. Depending on the card you use, you could be enjoying savings at rates up to 5%. Could you stand to benefit from getting 5% off items like your electric bill? How about your nights out with friends, medical expenses, or pretty much anything else under the sun? If so, then you owe it to yourself to make the switch as soon as you can. Every day you delay means more money lost!

2. Cash back reward credit cards are inexpensive to use.

Regular credit cards charge sky-high interest rates and sometimes even hefty annual fees just to be a part of their program. However, cash reward cards have some of the lowest annual interest rates on the market and many do not charge any type of annual fee either. Choose the right card, and you can even benefit from an amazing 0% APR for the first 12 months you have your account to help get things off on the right foot. Keep your balance low and pay it off in full whenever you can to help keep your APR low and maximize rewards even further.

3. Save the most on your everyday essentials.

Did you know that many cash back rewards credit cards allow consumers to earn rewards at even greater rates for purchases on essentials like groceries or gasoline? Fuel prices especially are putting quite a dent in the average person’s bank balance these days, so this is a major benefit to consider. Before filling out a cashback credit card application, do your homework as far as what is available and keep your eyes open for a program that will offer you this priceless opportunity to save even more.

These major program benefits and many like them are yours in addition to the other perks that come along with using credit to help manage your finances. Credit is much safer and more effective than cash or debit cards when it comes to fraud protection. Customer service is more accessible and more efficient. Plus, using your credit wisely helps increase your overall credit rating, making it easier to be approved for lower rate mortgages and loans or even to get a job. With a cash back reward credit card in your pocket, the sky’s the limit when it comes to streamlining your finances and making your hard-earned money go further than it ever has before.

Apply for cash back credit cards to start earning cash back. Or if you prefer to travel, apply for an airline credit card.

More Cashback Credit Card Articles

Low interest credit card for balance transfers

The interest rates charged on credit and store cards can vary widely. That applies not only to the headline rate – the interest rate that appears as a ‘typical’ rate in advertising and marketing literature – but also to individual customers; according to their personal credit rating.

There is a plethora of different credit cards available in the UK, all designed to do different things. Some are loyalty based cards which allow users to rack up points or rewards that they can redeem at a later date. Others offer cashback, some are designed for everyday use offering no frills and charge a low rate of interest and others may be primarily marketed at people who wish to transfer a balance to a permanently low rate.

In addition, there are cards aimed at particular individuals such as starter credit cards for young adults and other potential card holders who have not yet managed to build up a credit rating profile, such as people new to the country. These cards tend to offer relatively high interest rates as they are designed to be used by people whose ability to handle credit has not been tested. However, providing the accounts are handled satisfactorily, with payments being made on time and the credit limit is not exceeded, then they will help the user build a good credit rating.

On the other hand a low interest credit card can be used as a tool to get those already holding credit card balances, probably paying market interest rates of around 15 – 16% p.a. upwards, back onto the financial straight and narrow. Providing that those applying for such low rate cards have been making payments regularly on time and have a sufficiently good credit rating then they should be looked upon favourably by the credit card issuer, although there are no guarantees of course.

By taking out a low interest card debt can be paid off much quicker. By paying the same amount each month more of the payment will be used to clear the balance of the debt rather than the higher interest charges on a higher rate card. So, rather than maintaining a soul-destroying balance and paying punitively high interest rates the card holder will see their debt balance gradually and consistently reduce, leading to greater financial freedom.

At the end of the day, do your research and make sure that you are getting the best credit card deal available on the market according to why and ultimately how you use your credit cards.

This article has been written for information and interest purposes only. The information contained within this article is the opinion of the author only, and should not be construed as advice or used to make financial decisions. Expert financial advice should always be sought and any links contained within this article are included for information purposes only.

Andrew Regan writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.

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How To Get The Most Out Of Your Cash Back Credit Card

As most of us already know, we’re living in an age in which credit has become an absolute staple when it comes to managing our budgets and consolidating our monthly expenses. As a result, the business of offering credit is becoming more and more competitive. Credit companies know that it’s no longer enough to simply offer consumers the convenience of using credit. Today’s credit users expect something extra to make choosing one program over another worth it and what could be more “worth it” than getting cash back from your credit provider every month simply for using your account the way you normally do? However, as is the case with any type of card, getting the most out of a cash back credit card requires prudence and care on the part of the consumer. By following a few simple directives, you can effectively have your credit company paying you just for using their services.

Don’t spend just for the sake of racking up cash rewards.

The best way to get the most out of your cash back credit card is to think of the cash rewards you’re earning as a “thank you” from your credit provider for using your card the way you normally do. Don’t make the mistake of seeing the rewards as an excuse to overspend or abuse your credit. You’ll quickly find yourself the proud owner of a sky-high credit balance that you’re not able to stay on top of and any rewards you do earn will quickly be eaten up by interest on money owed.

Pay your balance off in full each month.

To get the absolute most out of your card, you should make it a point to pay your balance off in full at the end of each billing cycle. That way you never have to pay interest and are in effect making money you wouldn’t have otherwise by using your cash back rewards card. Avoid using your credit to live beyond your means the way many people do. Instead, use it as a handy tool to consolidate your monthly bills and organize your expenses. This is an easy and effective way to maximize the rewards you earn without actually giving yourself any additional debt to worry about.

Know your credit terms of use inside out.

Each cashback credit card is a little different when it comes to the terms, rules, and limits that are attached to the consumer’s use of the card. Does your program feature a spending limit or cap on the dollar amount of rewards you can earn per month or year? Are you eligible to earn card rewards at higher rates for certain types of purchases – gas station or groceries, for example? It’s your duty to know the answers to these and similar questions if you really want to get the most out of your card.

When it comes right down to it, making the final decision to fill out a cash back credit card application is just like every other important choice in life. The secret to getting the best possible results lies in making wise decisions, being informed, and being responsible at all times.

Apply for cash back credit cards to start earning cash back. Or if you prefer to travel, apply for an airline credit card.

Travel and Shop All on One Card

Sometimes it’s not just one single thing that makes life easier but a combination of different factors. The winning combination principle has been applied to a new credit card on the market which innovatively combines three cards in one in order to offer you ease, convenience and downright versatility when travelling, making purchases and generally going about everyday life.

OnePulse is a unique product that provides the convenience and speed of having three cards in one; an Oyster card, a regular credit card and a cashless credit card.

The in-built Oyster card provides you with a quick and easy way to travel in and around London whether by bus, tube, tram, DLR or on the overground. Used in precisely the same way as a regular Oyster card, there are no real changes to adapt to and you still benefit from all the advantages associated with having an Oyster card

Auto top-up is an additional feature exclusive to the OnePulse card which is designed to make life that little bit easier. By enabling auto top-up, the balance on your Oyster card will automatically be topped up with a pre-set amount of either £20 or £40 every time your balance falls below the value of £5. You’ll never need to queue to top up your Oyster card again and you can enjoy easy and fuss free travel when you need it most.

If you’re already an Oyster card user don’t worry about losing the credit on your exciting Oyster card as the balance can be transferred over. What else could possibly make travel in the capital easier!

The credit card function is simply that and is used in exactly the same way as any other credit card with a competitive interest rate that helps keep your spending costs to a minimum. The value and flexibility associated with traditional credit cards can be fully applied here and security features are the same too, with chip and pin technology utilised.

The third and final feature that makes this card stand out from all other is the OneTouch payment system which allows you to make purchases under £10 in a quick and convenient way.

OneTouch is a cashless means of paying for goods which total less than the limit amount of £10 per transaction. You simply pass your card in front of a secure reader so you don’t need to enter your pin every time and you never need to rummage around for cash again when making those smaller purchases. Furthermore, time and trouble is saved once again, so shopping and travelling really should be easier with a OnePulse card.

Lots of features that come part and parcel of a standard credit card are covered by the OnePulse as well, so it’s worth finding out about this contactless Cashback credit card and see how much time and money you could save.

This article has been written for information and interest purposes only. The information contained within this article is the opinion of the author only, and should not be construed as advice or used to make financial decisions. Expert financial advice should always be sought and any links contained within this article are included for information purposes only.

Related Cashback Credit Card Articles

Cashback Credit Cards vs Reward – What’s the Right One?

credit history card provides you -exactly what else?-cash money back on your acquisitions made with that bank card. The quantity is generally a percent of the acquisition from.5 %to 5%on specific acquisitions. Depending on the particular card, the cash back may be a level price on any type of acquisition that you make, a percentage of specific certifying purchases or a combination of both. Example: The Morgan Stanley Platinum offers you 1%money back on the first ₤ 2,000 that you bill to your card annually, plus.5 %of the rest of your purchases as much as your credit line. They release you a check annually for the quantity of your money back.Example: The American Express Platinum cashback credit card provides you 2%

money back on all your acquisitions for the first 3 months, then 1% on all your purchases for as long as you utilize your card.Other cashback credit report cards could use you pay back on purchases made at certain merchants, or on a particular sort of acquisition like gasoline.Rewards credit rating cards additionally pay you back for using them, yet the payoff may remain in factors or miles or a few other system. When you make use of benefits bank card making purchases, you’ll gain factors or miles that you can spend on items supplied by the benefit programme that your charge card firm handles. The items supplied in the benefits program rely on the vendors and producers with whom your card business has partnered. Example: The American Express Nectar Charge card is a common rewards bank card. For every ₤ 1 that you invest, you’ll gain 4 nectar points. On top of that, many participating sellers offer additional nectar factors as rewards to earn acquisitions from them- currently, for example, you could gain dual nectar factors for every single acquisition of BP motor fuel of 25 litres or even more. You can retrieve your factors from the membership compensates brochure that consists of high-end product from Bodum, Alessi, Conde Nast and also lots of others.Compare Credit rating Cards to Locate Which is Best For You There’s a lot even more to comparing charge card compared to determining which one offers you the most factors or money back however. There are some truly great contrast websites that make it easy to compare bank card side-by-side to make sure that you could see
APRs, costs and any kind of limitations that could make a difference in selecting the appropriate card for your needs. Some factors to consider that might use consist of:-You’ll obtain somewhat much less value in cash back than in benefit points, normally- but there’s no restriction on where you could spend your cash.-A rewards bank card that companions with vendors you buy from or offers product you ‘d acquire anyhow could be a far better bargain for you compared to the smaller quantity of cash back.-When and also how the incentives are paid could make a difference. Typically, benefit factors could be retrieved at any kind of

time, yet cash money back is just returned at once in the year.-Rewards as well as cash money back could be countered by a little higher rate of interest prices. If you generally lug an equilibrium from month to month, after that the passion
costs might cost you greater than the cash money back benefits.In the end, picking the ideal charge card is all regarding what works best for you. Good contrast websites could aid you compare charge card as well as pick the

ideal cash money back or rewards charge card for your demands. Jon Francis has actually been involved with finance for many years! With an in-depth knowledge of the< a rel="nofollow"href=""> bank card UK market assistance aids others obtain the best from a charge card. Relevant Cashback Bank card Articles

Is it HALAL to accept the 2% cash back bonus awarded by credit card companies?

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Find The Best Cash-Back Cards

Find The Best Cash-Back Cards

Cash-back reward credit cards are very popular. But with so many cards out there and so many rules, you may not be getting as much money as you could.
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My Wallet:
With the cash back on groceries being cancelled on the lucrative Sallie Mae credit card of 5%, other combinations of cash back cards are necessary. The general idea is to combine all your cards and put the more frequency used cards that has the most cash back in your wallet. Then you make a cheat sheet to show you easily which card to use so you do not have to remember everything. Doing so will net you 2/3/5.25% on various categories and will optimize your cash back potential for your regular spending!

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Cash Back
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