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Cash-back credit cards provide cash rewards for purchases made using the card. They are credit cards that reward users for frequently using their cards in exchange for benefits including statement credits, cash deposits, and gift cards.
Cash-back credit cards are classified into four types: flat-rate, tiered, rotating categories, and cardholder’s reward preference. Each has advantages and disadvantages, but your ultimate decision should be based on your spending patterns and the amount of planning you have to do when it comes to what card to use for each payment.
Simply put, cash back credit cards operate by automatically earning cash back every time you swipe your card. Typically, you’ll earn 1% cash back on all purchases, but there are a number of credit cards that offer higher rewards up to a certain spending threshold, in specific categories, etc.
The core principle behind cash-back credit cards is that when you use your card, you’ll get cash back on every purchase. Spending money is a part of daily life, so you might as well earn some cash back on the things you buy anyway, including filling up the gas tank, buying groceries for dinner, paying bills, buying school supplies, and so on.
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