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Cash Back Credit Cards: Make sure you know what you are getting into.

Updated on July 28, 2010

Cash Back Credit Cards: Make sure you know what you are getting into.

Cash Back Credit Cards: Make sure you know what you are getting into.

Getting a credit card that offers cash back may be something of interest.  Nothing can be better than getting money back on all the purchases that you make with your credit card?  It sounds amazing doesn't it?  

These credit card companies give you free cash, but it is usually only around 1% money back.  However, free money is not always free money. 

If you purchase a lot in one month, this credit card probably sounds pefect for you.  However, you have to remember that they are not going to give you money back on every transaction that you make.  Even if they say they will give you money back on every purchase, they can only give you up to a certain amount per use.  The company also has limits on the amount that they will give back to their customers.  If you read the fine print on the forms you signed at the beginning, you will see a paragraph with their limits. 

This is just a marketing tool to try and get new customers.  It is a great credit card in theory, but the company will have to check your credit rating before they will give you the cash back card. 

Look into different credit card companies to see what they can give you.  You may notice that a cash back credit card offers you just what you need with a high cash back percentage, few limits on the amount they will give you back, and immediate cash deposits when you use the card. 

Although these credit cards seem like something amazing to have, some of these companies will need your credit score to be amazing too.  But there are card companies that offer cards to people with bad credit rating to help them rebuild their credit.  Make sure you know all your options. 

Do you know what you decision should be?  If your credit rating remains in good standings, then this card is perfect for you.  Know what credit card companies are offering – there are card companies that can offer you up to 2% cash back.  If, however, your credit rating is horrible, you may want to look into credit cards that will help you reclaim your positive credit score. 


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