The credit card market is, to say the least, a wide open market with a multitude of choices available to the consumer. If you are a first time card shopper then you will probably find the choices overwhelming at first, and even the more experienced suffer a similar fate. With the myriad of choices that face you it is important that you make the correct decision because it can be the difference between paying reasonable rates on the money you borrow and paying a lot more than you should.

What Are Cash Back Credit Cards?

As the name suggests, cash back credit cards reward you with cash back on purchases and cash withdrawals you make using your credit card. Some cards offer certain levels of cash back on certain items and actions. For instance, you may receive 3% against gasoline purchases and 2% against all other purchases. There are many different variants on the cash back theme. You may, for instance, receive cash back against purchases of airline tickets or even baby products.

Cash Back Credit Card Ideal Users.

If you use your credit card regularly then cash back credit cards could be the perfect option for you. You should consider your spending pattern carefully and determine whether you buy any particular item or if you use your card to buy different things on a regular basis.

The Pick Of The Cash Back Credit Cards.

The Chase Cash Plus Visa Card rewards spenders with 5% cash back on groceries, drug store purchases and gasoline. You also receive 1% on all other purchases made with your credit card.

What Are Reward Cards?

In principle reward cards work in the same way as a cash back card except you don