If you’re in the market for a new credit card, you may be debating between a cash back card, and or a low apr based credit card.  They both have their upsides, and downsides, but it all depends on your spending habits.  Let’s take a look at which card will suit you best.

The benefits of a low interest card

• You’ll be able to transfer your balance to this card, since many of them have great introductory rates for 6 months to 1 year.  Transfer your auto loans, student loans, and more all at 0%.
• If you have a higher balance elsewhere, you can transfer, or save hundreds over the months just in interest alone, depending on your balance.
• Like a cash back card, many low apr based cards have decent perks that you can take advantage of.

The benefits of a cash back credit card

• Get rewarded for every dollar you spend at places like the grocery store, a restuarant, and more.  It’s like getting a sale for everything you spend money on.
• Redeem your points for great things like gift cards, airline tickets, and more.  If you pay your card off in full each and every month, you can take full advantage of these cards.
• Most cash back cards on the market today also have great introductory rates.  Like many cards, if you have a great credit score, you’ll find that you can get a great intro rate as well.

I would consider both cards, but then again, it will all depend on your situation.  If you’re going to transfer a balance, consider a low apr card.  If you’re going to use your card for spending only, consider getting the rewards!

ith so many credit cards out there, as well as reward programs, it’s going to be hard to choose from one.  Since so many of them are quite different, you don’t want to sign up for a credit card, and find out that the reward program is lousy.

Before you go out and apply for a card, you’ll first want to know how the reward program works.  You’ll want to know if you’re just going to get a statement credit, or if you’re going to be able to use points toward gifts at the online store.  If your card is going to use reward points, you’ll want to look into their reward system.

What makes a great reward system?

In my opinion, a great reward system is one that offers a lot of great products.  When it’s time to cash in your points, you’ll want to make sure that you’re able to get things that you want.  You won’t want to find out that you can only buy gift cards to place that you’ll never use.

How can I research a reward program?

As I said before, when you go out there, and look for a card, you’ll want to get reviews first.  Some credit card companies will allow you to look into their reward programs, when others may not let you look into them until you apply.  If this is the case, you’ll want to search for the program online.  By doing a search, you’ll be able to get some decent reward program reviews.

When you do find a card that works great for you, always make sure that you pay your card off in full each, and every month.  By doing so, you’re going to be assured that you’ll be able to take advantage of all of the rewards.  It’s always great to get rewarded for things you were going to buy!

Save money on your purchases can be great when you’re looking to use a credit card.  Unfortunately, with the new credit card ACT, you’re going to find that most companies are going to scale back.  Does this mean we will never see rewards again?  No!  We will see them sooner or later as the free market plays it course.  This is why competition is always good, but in the meantime, rewards will always be out there, and let’s take a look at what kind of rewards you can get.

Gas rewards: Every time you fill up at the pump, you can save some cash.  Save as much as 1-10% per gallon.  These cards will generally reward you solely for using your card at the pump only.

Cash back: Cash back is my favorite, and this goes for others as well.  The concept is fairly simple, where you’ll get cash back for every purchase you make.  These rewards will vary card by card.

Hotel rewards: Just like the gas rewards, you’ll get rewarded every time you use it at a hotel.  Some only reward you at particular chains, while the others reward you for any stay.

Airline miles: Airline cards are great for those that travel.  Get rewards every time you take the blue skies.  Earn enough points to cash them in for rental cars, hotel rooms, and free flights.

These are the four main reward categories when you’re looking to save in a particular category.  Some of these cards will allow you to save on everything, while others will let you save on just one category.   Start your search today, and find out which card best suits you!

Everyone and their brother has to fill up with gas, and as long as you have a car, you just can’t get away from those pesky gas pumps.  Now, what if I told you that you can save up to 10% per gallon when you’re filling up your car?  It sounds too good to be true, but you really can save!  Let me show you how.

Check out your favorite gas station

The first thing that you want to do is check out your favorite gas station, and see if they offer a credit card.  If they do offer a card, see what kind of rebates you can get with that card.  Most major gas stations do offer credit cards, and a lot of them have a good discounts.  Always make sure you read the fine print though.

Look into a cash back credit card

You may want to think outside of the box, and save on more than just gas.  Did you know that a cash back card can save you money on just about all of your purchases?  Instead of applying for a gas station based card, look into saving on just about anything you buy, such as groceries, and more.

Apply for a gas station card

Sure, there are gas station based cards, but the bad thing about these is that you can use it at that particular station.  Instead of getting something like that, you  may want to consider a gas card that works at any gas station.  The only downfall to this is that you can use it at one station, and that station only to get your discount.

As long as you pay your bill off in full each and every month, you’ll be able to save a lot of money.  Try some of these tips today, and see if you can save big on your next fill up!

So, you’re in the market to find a cash back credit card, but you really don’t know how the process works.  That’s okay, because you’re not alone.  I wanted to show you how the process works, and what you can do in order to get the most out of your cash back card.

Know what kind of rewards there are

The first thing that you want to look at is what kind of rewards are out there.  There are point systems, and a cash back system.  While they are similar in the way, you need to know how they work, and this is how it’s done.

• Points: For every dollar you spend, you’re going to get “points”.  You can picture these points as fake dollars.  Once you get enough points, you can then exchange them for gifts such as electronics, gift cards, etc.
• Cash Back: Getting cash back is the favorite among most people.  This is when you’ll get a percentage back for every dollar you spend.  Let’s say that your rate is 3%.  Every dollar you spend, you’re going to get .03 back.

Pay off your card in FULL

With any reward credit card, you need to know how it works, so that you can take full advantage.  If you don’t pay your card off in full each, and every month, you’re going to find that you’re going to pay more in interest than you get back in rewards.  This is why you have to remember that you should pay your card off in full each, and every month, and there shouldn’t be no exceptions on this one.

Get rewards that you can use

When you’re looking for reward cards, you’re going to notice that each one of them is different.  One card is going to give you a certain percentage back on gas, while the other gives you some money back on groceries.  I want you to look at your budget, and see where you spend the more of your money.  You’ll then want a card that will give you the most back.

These are the three things that you should look into when looking for a reward based card.  Look them over, and it should hopefully give you a better idea on what card you should choose.