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3 Reasons Why You Need a Cash Back Credit Card

By Shannon Hilson

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

1. Using any card other than a cash back reward 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 credit cards are inexpensive to use.

Typical 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 interest rates on the market and many don’t charge any type of annual fee either. Choose the right card, and you can even benefit from an incredible 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 possible to help keep your APR low and maximize rewards even further.

3. Save the most on your everyday necessities.

Did you know that many cash back credit cards allow consumers to earn rewards at greater rates for purchases on essentials like groceries or gasoline? Gas 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 cash back credit card application, do your homework as far as what’s 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.

categories: credit cards,credit,finance,financial,cash back,cash,money,consumer,business,credit card

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Topics: Credit and Debit | Comments Off

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Article Citation
MLA Style Citation:
Hilson, Shannon "3 Reasons Why You Need a Cash Back Credit Card." 3 Reasons Why You Need a Cash Back Credit Card. 15 Aug. 2010. uberarticles.com. 3 Aug 2014 <http://uberarticles.com/finance/credit-and-debit/3-reasons-why-you-must-get-a-cash-back-credit-card/>.

APA Style Citation:
Hilson, S (2010, August 15). 3 Reasons Why You Need a Cash Back Credit Card. Retrieved August 3, 2014, from http://uberarticles.com/finance/credit-and-debit/3-reasons-why-you-must-get-a-cash-back-credit-card/

Chicago Style Citation:
Hilson, Shannon "3 Reasons Why You Need a Cash Back Credit Card" uberarticles.com. http://uberarticles.com/finance/credit-and-debit/3-reasons-why-you-must-get-a-cash-back-credit-card/


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