Cash back credit cards are simple. Your issuer will award you a small percentage of your spending back in cash! So the more you spend, the more you'll earn back. This is great for those who presently have a regular spending pattern or make expensive purchases.

Cash back credit cards provide cardholders with cash rebates or rewards to cardholders for making purchases with their credit cards. A cardholder has the ability to accumulate significant rebates over time based on the dollar amount of purchases made with the top card offers.

Normally, a cash back credit card will have a rebate of around 1%, which is the industry standard. While you search and compare for the best cash back credit cards, you might be wondering how all the credit card companies can afford to do that. The retailers and merchants that you shop at are charged a fee for every purchase that you make with the card. So in essence, you are taking back a portion of that fee as your cash back rebate reward.

However, since rebate programs still end up being pretty costly to the credit card companies, some rebate credit cards will have an annual fee, which can range from around $25 to as much as $100, which will be incurred after you apply and are approved for the credit card.

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Go to a website like creditcardassist.com or credit-cards-guru.com and click on the link to compare cash back credit cards.
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Step 2

Check out the information provided. Both of these sites will provide the basic terms of the credit cards determined to be the best deals for cash back.
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Step 3

Scour through the listings. On creditcardassist.com, the site provides a ranking of which card it thinks is the best deal. On credit-cards-guru.com, the information provided lists terms of credit cards, and you can click on links provided to get the full terms.
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Step 4

Consider the various deals. Take your time reading through the listings and consider the pros and cons of each card. American Express, Chase, and Discover appeared prominently in both sites as good cash back deals.
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Step 5

Decide what you're looking for in a card. Maybe you want to transfer balances or get 0% APR for as long as you can. Knowing what you want from a cash back credit card can help you narrow the field.
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Step 6

Read closely. See what the APR will be after the introductory rate ends. If you're planning on keeping the credit card for any length of time, you'll want an APR that does not skyrocket after the introductory rate expires.