If you’re in the market for a new credit card, you’ve probably found out by now that there are so many types out there.  I know, it’s probably hard to choose from a category but if you’re confused on what’s out there, let’s take a glance at each category and what it can do for you.

Balance Transfers:  Balance transfer cards are popular among those that want to transfer a balance from one card to another.  One of the main reasons people do this is so that they can get 0% interest for a certain period of time.  Many card companies will offer a balance transfer intro rate from 6 months to sometimes the life of the transfer.  I would recommend these to those who want to transfer a higher interest account.

Gas Rebates:  If you find yourself filling up at the tank a lot, you may want to look into a gas rebate based card.  These cards are great because you’ll find yourself saving money at the pump every time you fill up.  These rebates can range anywhere from 1-10% per gallon.  You can really save a ton when gas is at $4/gallon.

Cash Rewards:  A popular card among many is a simple cash back card.  This type of card will give you cash back on all of the purchases you make.  Depending on what you purchase, will depend on what you get back.  For example, some card companies will give you x amount back on purchases at a grocery store while others will give you x amount back on gas, etc.  These are great if you want rewards on just about anything.

Travel Rewards:  If you’re the type that loves to travel a lot, why not get a travel rewards card?  This type of card will enable you to save on everything from a hotel to your plane tickets.  The nice thing about these cards is that you’re able to build up points rather easily to earn your free plane ticket.

When it comes to the type of credit cards on the market, this should give you a better understanding at what’s out there.  You’ll want to access your monthly budget and see what you can take the most advantage of in terms of rewards.  Look at the categories above and see what suits you the best.

Just about everyone today needs some sort of communication when you’re on the go.  This is why you see just about everyone with a mobile phone.  If you don’t have a mobile phone or you’re thinking about getting one in the near future, let me show you how you can get cash back on your phone when you decide to purchase one.

Check out cash back sites -With so many cash back sites on the Internet, make sure that you check out sites like FatWallet.com and others when looking to buy your phone.  If you’re going to buy your phone online, I would recommend that you purchase through one of these sites.  By doing this, you can save anywhere from 3%-25% on your total purchase.

Look for rebates online - Many of the nation’s phone carriers like Verizon, ATT, etc generally will offer some sort of rebate when it comes to purchasing a new phone.  If you don’t care what kind of phone you buy, you may want to look into getting a rebate.  These rebates will vary anywhere from a few dollars to as much as a couple hundred.  Sure, you have to wait for a few weeks to get it but it’s well worth it once you get it in the mail.

Use your cash back card - If you don’t already have one, I always recommend a cash back credit card to just about anyone that uses a credit card.  Not only can you save on cell phones, you’ll be able to save on just about anything else.  From groceries to fast food, you’ll be able to save at least 3-5% on all of your purchases.

Look for a billing credit - This is rare nowadays when it comes to cell phone contracts but it still does happen.  Some carriers, you may find that they will give you a certain percentage back for the first year, etc.  This is a great way to save with your money when it comes down to your bill.

With so many cell phone carriers out there, do your homework if you want to switch or even stay with the same carrier.  Never be afraid to ask what kind of cash back offers that they have when it comes to cell ph0nes.   You may be surprised on what they have to offer.

So, you’re in the market to find a new car and you’re looking for the greatest deal possible.  Good for you because I love those who work hard and find the best deal possible out there.  Well, what if I told you that you can potentially get cash back on your new car purchase?  I know it may sound too good to be true but it can happen and let me show you how its done.

Check your local paper

The first thing that you want to do is check out your local paper.  I prefer the Sunday paper because it’s always loaded with tons of car ads.  Look for the dealerships that are offering cash back on your purchases.  This can range anywhere from a few hundred dollars to as much as a few thousand.  This will depend on the season, make of the car, etc.

Check online as well

Yes, I know a newspaper is an older way to do research but many dealers today have a website where you can check out deals.  They may have everything from a coupon to cash back incentives depending on if you meet certain criteria.  If you plan on buying a Honda, check out at least 3 Honda dealers in your area to see if any of them are offering cash back deals.

Use a cash back card

This is a hard one but it can be done.  If you plan on purchasing your car with a cash, I highly recommend you use your cash back credit card.  I did this in the past and it worked wonders!  If you have a credit limit of around $15,000 – $20,000, you’re going to be luck.  I had a cash back card that enabled me to get 1% cash back on all of my purchases.   When I went out and purchased a $15,000 car, I was able to get $150 and $1,500 back from the dealer.  That same day, I sent the money to the credit card company.  Once again, if you have a high credit limit and the cash to do so, I would look into this.

No matter what time of year it is, you can always find great cash back deals on new cars.  Go out there, do some research and find ways on how you can benefit from using cash back incentives.

If you’re in the market for a new credit card, you’re probably wondering how you can find the greatest and latest credit card that will help your finances.  Yes, if you can pay off your card in full each and every month, you can take full advantage of all the great cards out there on the market.

What do you spend your money on?

I want you to look at your budget each and every month.  Where does most of your money go?  Does it go to your bills?  grocercies?  travel?  This is important because you’re going to find that each card on the market is going to cater to special categories.  You’ll find cards that range from travel to gas.  It’s up to you to find out where you want to get the most out of.

What are you getting back?

Since you want to get rewards, you want to get a card that’s going to give the most back.  If you want a grocery based card, you’ll want to get the most back on the card.  Look at how much you’re going to get in terms of cash back.  The industry standard is about 1-3% but again, this can range greatly depending on the issuers, etc.

What else do you get?

Besides the cash back benefits, what are you going to get back with all of your other purchases?  Say you want to get a card that gives you cash back on grocery purchases.  Will you get cash back on gas?  your bills?  other things?  The more you get back, the better its going to be for you.

Rates and fees shouldn’t matter

Taking advantage of a credit card doesn’t require skill.  You only need to pay it off in full each month.  By doing this, you won’t have to worry about the interest rates.  If you can’t pay it off in full, you may have to resort to something else like a prepaid card or something that can balance your budget.

With hundreds of cards on the market, it’s your duty to do your homework and ask yourself these questions.  Know what you want to get and how it can benefit you on a daily basis.  Use your card right and you can see lots of rewards!

Today, I’m going to show you how you can get cash back on your mortage.  No matter what kind of mortgage you have, I’m going to show you some easy tips that you can use in order to get anywhere from 1-10% cash back on your home loan.

Before we start though, there are some tips that you should follow in order to take full advantage.  The first step is to apply for a credit card that has no annual fee.  The reason we don’t want to pay an annual fee is because this is one more fee we have to worry about with our credit card.  The next thing we need to keep in mind is the pay off.  Make sure that you pay off your card in FULL each month to avoid interest rate charges.  If you can follow these two golden rules, you’ll be good to go.

Apply for a credit card with cash back rewards

The first step you need to follow is by heading to our main site FINDcashbackcards.com that focuses on rewards credit cards.  Find a card that’s going to give you cash back on just about anything.  Find a card that gives you at least 3% cash back and read the fine print.  Make sure that there isn’t a cap because when we use it for our mortgage, we are probably going to pay a few thousand each year.

Make sure it’s going to work for you

When I say look at the fine print, look at it and read it.  Make sure that you’re going to get cash back on your mortgage.  If the card only gives you money back on gas purchases, you’re going to be wasting your time.  You’ll want one that gives you money back on everything.  If you can find one, you’ll be on the right path.

Start paying your mortgage with a credit card

When it comes down to paying your mortgage, make it so that they bill your credit card or get checks that you can pay them with that are associated with your credit card.  As I mentioned above, make sure that you pay off your bill in full each and every month so that you can avoid those pesky interest rate charges.

Now that you know what path to take, let’s look at how much you can truly save with this technique.

Let’s say you have a $1,000/mo mortgage bill and you find a card that saves you 3%.  That $1,000 equals $12,000 a year.  Take that $12,000 a year and apply 3% to it and you have a grand savings of $360!  That’s not bad.  Now, if you factor in other bills like car payments, insurance and everything else, you can really save a lot of money.

Remember, in the end, you have to be disciplined and you have to pay it off in full.  If you can do this, you can really take advantage and get cash back on your mortgage.