It is easy to find credit cards with cashback programs. They are all over the place, with thousands of different companies offering them. Some of these programs rotate different rebate rates, others offer point systems. And, still other cards just offer cash back for everything. So how does one select the right cashback card? Here are some tips for finding the best card for you:
Look at the name. This is easy. It's a specific brand of credit card, and the Discover Card is by far the most common one with this name. Others avoid rotating cash back card categories, perhaps because they're worried that they will not be able to track all of the different rotating cash back categories. However, there are many different cash back programs offered by Discover, so it should be easy to choose from.
Compare the offers. This is very important when it comes to choosing a cashback card. There are so many different offers and they can vary in what is rewarded, the frequency of which you are eligible, and the percentage of cashback you can earn. Some offers have a daily, quarterly, or yearly membership fee. Other offers have a one time fee and only once you make purchases. In addition to cash backs, some of the cards offer points, gift certificates, and other forms of airline miles.
Look at the terms. You should understand the major cashback categories (gasoline, groceries, airlines, and car rentals) and the different ways you can get your rewards (this includes cash purchases made in the first year). Some cards offer the flexibility of having the cashback match up every purchase, whereas others have a limited match between cashback and purchases, so you may not get the full benefit of earning.
Another important consideration when choosing your rewards card categories is the frequency of payments required. Some rewards cards require you to make purchases every month, while others offer you the option to choose your payments frequency. For example, some gas stations have a rebate program where you can choose to make your first and third monthly payment for a certain percentage on your gasoline purchases, making it a good choice for those who regularly purchase fuel. However, those who prefer to wait between payments will find that the cashback match between purchases is less than a gas station with a fixed payment schedule. Again, these Discover card categories vary so choose the one that best suits your lifestyle.
The Discover credit card categories include Travel, Movies, Charities, Drugs, Electronics, Laptops, Home, Fitness, Health & Wellness, and Pets. Choose the category that best suits your lifestyle and use the points to earn cash back. No matter which category you choose, you are guaranteed to get a percentage match between purchases and cash rewards. With a Discover card, you don't need to work hard to earn a great rate on purchases, just use your rewards points to save on interest costs or get free trips when you make purchases with your card.
The Discover Card Rewards Calendar is one of the easiest ways for you to save. All you have to do is buy a gift for your loved one and then add the card to their name. This means that when they shop at a particular retailer, you can both be saving money. Each time ...
Discover it Credit Cards is a cashback bonus program that allows you to get paid for every purchase you make. The Discover card offers two different types of rewards… cash and points. This card is ideal for those who travel a lot or even those who just like to shop. So, if you're looking ...