Greatest Cashback Rewards Credit Cards

Choosing the Best Cash Back Card

Consumers should consider the following when looking into a cash back merchant account:

• What FICO score is needed to qualify for the card?
• What is the best rebate percentage received for qualifying purchases?
• Which items (groceries, meals, entertainment costs, pharmaceutical products) fall under the account's qualifying-purchase guidelines?
• Is there a maximum monthly or annual rebate?
• What is the monthly interest rate on the account?
• Will the account be paid off every statement period?

Consumers who need to rebuild their credit should concern themselves more with their account's interest rates than with rebate-plan benefits, especially if they must carry a balance from month to month. For those unsure of how to compare revolving credit lines and choose those that best fit their needs, the Federal Trade Commission (FTC) offers a comprehensive consumer guide to educate consumers about merchant account options.

Credit Card Applications has simplified the card search process by taking applicants through a series of questions about their spending habits and usage patterns. The website provides general consumers, small-business owners, college students and financially struggling applicants with a comparison of charge-account options, including cash back and rewards programs.