Category Archives: Cashback Credit Card

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.

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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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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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Cashback Credit Cards – Top Tips For Finding The Right One

Did you know that a credit card with a low APR isn’t always the best card to use for your purchases? If you shop around carefully, you can find credit cards that will help you save money, earn gifts and get discounts on the things you want and need to buy? Cashback deals are designed to offer you rewards for your loyalty issued by a particular company. Here’s how to get the most out of using cashback options.

– Pick the best credit card right from the start.
Before you even apply for a cashback card, do a little digging to find the best option for you. It’s not always the one that offers the highest cashback amount, or the one with the lowest APR – it depends a great deal on how you use your credit card.

– Choose a cashback credit card that gives you cash back on the purchases you’re likely to make.
The latest trend with card companies is to encourage what they call micropurchases – purchases of less than £5. That means that they’re offering cash back on your purchases at corner stores, petrol stations and supermarkets to get you to use their cards to pay for your purchases there. When you’re shopping for a cashback credit card, check which purchases will pay you cash back. If they’ll pay you to buy on plastic at the stores you already shop, it’s a card you want in your wallet.

– The very best credit card will have both a low APR and a high cash back scheme.
Those are rare, though. Most of the time, you’ll have to choose between the two. If you have to choose between the two, pick a card with a good cash back scheme, and be certain to pay off the balance every month.

– Don’t mix and match your purchases.
Keep your long term and your immediate purchases on separate credit cards. The only way that a cashback credit card makes sense is if you’re not paying interest on a carried balance, because the interest that you pay will always be more than the cash back that you get. You don’t want to be paying interest for months on last week’s groceries or cup of coffee. If you mix and match your purchases on one card, you’ll end up paying interest that builds your balance instead of paying it off.

– Decide how you’d rather get your cash back.
The different card companies offer different payment schemes for your cash back. The options keep changing, but the most common are:
a) a lump sum payment once a year mailed to you as a cheque or a gift card
b) a lump sum payment once a year credited to your account
c) running discounts credited to your account immediately

Realistically, getting one or two pence credited to your balance every time you make a purchase is the option that makes the most financial sense. You get the use of that money immediately because it reduces your credit card balance. If you end up carrying a balance, it’s a few pence less that you’re paying interest on. Practically, though, lump sum payments are more likely to be useful to you. Choose the one that works best for you.

– Check comparison sites frequently for the best cashback deals.
Card companies are constantly updating and changing the deals that they offer. The best cashback credit card today may not be the best one tomorrow. Keep you eye out for good deals to come along.

– Pay off your full balance each month.
We said it before, but it bears repeating. Don’t carry a balance on your cashback credit card. There’s no sense building up interest charges that cost you more than you’ll save by using it.

Jon Francis has been involved with finance for many years! With an in-depth knowledge of the credit card UK market help helps others get the best from a credit card.

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Interested in learning about the Best Cash Back Credit Cards for 2016? You have come to the right place.

Best Cash Back Rewards Credit Cards of 2016 Part 2 of 2

– Shane Tripcony, of, prepaid debit, debt and credit card experts, offers an overview of the best Cash Back Rewards credit cards for 2016. This is part 2 of 2.

For part 1 of this two-part video series, click here:

This is a summary of our second post of the top cashback credit cards for 2016. In this video we showcase the top cash back cards for military personnel, best long term balance transfer, best niche card, most innovative and best business cash back card.

In the video, Shane highlights the features and benefits of the top cash back cards, their earning rates, bonuses and more.

Be sure to check out more cards reviewed in our full article of the Best Cash Back Cards for 2016 in the links below.

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Secret Ways to Earn More Points and Rewards with Your Credit Cards

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Best Free Credit Card For Highest Cash Back

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Cashback Credit Cards – Top Tips for Finding the Right One

Cashback and reward credit cards are rapidly gaining popularity here in the UK. Imagine being paid to spend money. That’s the idea behind a cashback credit card. As credit cards have gained wider and wider acceptance, credit card companies are working hard to convince you that theirs is the best credit card you can carry in your wallet. If you’re in the market for a cashback credit card, here are some tips to help you compare and choose the best credit card for you.

1. Choose a cashback credit card that pays you for purchases you’d normally make anyway. The most valuable cash back offers are those that give you cash back on ALL of your purchases, no matter where you make them.

2. The highest percentage of cashback isn’t always the best deal. Some cards offer you up to 5% cash back, but only on certain purchases, or particular merchants. If those aren’t purchases that you’d normally make then it’s really not saving you money.

3. Choose the credit card that works best for you. All cashback cards are not created equal. Some give you immediate discounts on you purchases, some reduce your account balance by the amount of your cash back and some send you cheques or gift cards periodically. Pick a card that rewards you the way you like best.

4. If you like having a bonus cheque to spend, choose a card that pays out semi-annual or annual dividends. Depending on your spending habits, you can end up with a pretty nest egg to do your Christmas shopping.

5. A petrol cashback credit card can pay off every time you fill your tank by discounting every litre of petrol that you buy. In addition, many also give you cash back on any purchase made at a petrol station or convenience.

6. Cashback credit cards that pay you for every pence you spend generally have lower percentage points (.5% is common), but can add up to considerably more cash back for you over the long run if you don’t typically patronise a select group of merchants.

7. If you DO tend to frequent particular merchants, you may find a cashback credit card that rewards you for shopping at those merchants.

8. Do compare cashback credit cards at comparison websites to be sure you’re getting the best APR and rewards you can qualify for. Especially if you tend to carry a balance on your accounts, you may find that interest charges eat up all that lovely cash back.

9. Be wary of ‘shoppers clubs’ masquerading as credit cards. These are not the same as credit cards that offer rewards when you use participating merchants. Instead, these cards are only valid at a select group of merchants. Not only are you confined to the premium prices charged by the member merchants, but you’ll likely pay premium interest rates.

Jon Francis has been involved with finance for many years! With an in-depth knowledge of the credit card UK market help helps others get the best from a credit card.

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