CASH BACK CREDIT CARD APPLICATIONS...JUST IN TIME FOR CHRISTMA SHOPPING

An overview on Cash Back Credit Cards
Smart consumers know how to make the most of their credit card purchases. Whether they are charging the month’s groceries and a couple tanks of gas or major electronics, appliances and utilities, shopping with a credit card instead of cash can bring in big rewards.

With cash back credit cards, getting a rebate on all purchases makes spending with plastic instead of paper a no-brainer. Besides being flexible and convenient, cash back credit cards offer customer-friendly incentives for saving money. These much-desired credit cards allow cardholders to earn back a certain percentage of every dollar they spend, and some purchases like fuel, grocery stores and drugstores often offer a higher percentage rate.

Cash Back Credit Cards make spending a little sweeter
Credit cards that offer cash rebates make spending a little sweeter. After all, who wouldn’t love to get a little something back after doing what consumers do every day – spend, spend, spend. Now smart, credit-conscious consumers can save, save, save instead.

Much like traditional, run-of-the-mill credit cards, cash back cards present consumers with the same types of interest rates, fees and terms of agreement. The bonus is that all shoppers can now double as savers. Some credit card cash back programs may offer instant cash in the form of statement credits, used to offset some of the total balance due. Others may present the option to receive a rebate check. This check is either available for use on anything, anywhere at all or only for use at specific retailers.

How to select a good Credit Card Rewards Program
A good cash back credit card can truly make life simpler. When the time comes to select the best cash back credit card for you, remember to consider the ultimate goal – where do you want your cash rebates to go? For the best and most appropriate cash rewards, consider different retailers that may offer special credit card reward programs. Does your favorite store or a merchant you visit often offer a cash back program? If you prefer to deduct the money directly from your credit card bill, search for a card that applies your rebates directly to your balance.

You won’t have to search far. Frankford Financial removes the guesswork when it comes to credit card cash back programs. After extensive research, we have listed all of the top cash rebate credit cards on this page. You will find everything you want to know, from the incentive plans to the terms of agreement for each card. To discover the best cash back credit card to suit your needs, review our comprehensive list in detail.

As you narrow down your focus to select the best cash back credit card, consider these factors:
• What percentage is the reward?
• Where can you spend the cash you earn?
• Are there any limitations to where and how much you can earn?
• Does the card carry an annual fee?
• What interest rates are offered?

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Compare Cash Back Credit Cards
To find the best cash back card for your personal needs, compare all the credit card offers on this page. Frankford Financial conducts comprehensive research on all available credit cards to provide a clear and easy decision for consumers seeking the best cards around.

While you are here, compare credit card cash back offers and consider your spending preferences. As you consider your options, think about your favorite stores and where you are most likely to spend money. Where would you like to save money?

As an example, Disney’s Visa Credit card allows cardholders to earn Disney Dream Reward Dollars(sm), which can be cashed-in on Disney purchases without blackout dates. WaWa, Toys “R” Us™ and many other stores also offer similar programs to reward faithful customers. In many instances, the store or chain affiliated with the cash back credit card may even offer special bonus percentages for purchases made onsite, online or by phone.

The Best Cash Back Credit Cards are on this page
Look no further. Frankford Financial strives to be your one-stop-shop for the best cash back credit cards, which are identified on this page. As you review the offers, remember to compare reward plans and percentages, annual fees, interest rates, terms of agreement and other applicable fees. If you need assistance, contact us through the Web site and we will be glad to assist you in selecting the perfect cash back credit card to suit your needs.

How to Qualify for a Card
As with most conventional credit cards, you can apply for them directly online at our site. First and foremost, to qualify you must provide a valid Social Security Number. Additionally, you may need proof of employment, an idea of gross yearly household income and very basic banking information.

Benefits of Cash Back Credit Cards
Rewards programs of any kind often inspire a particular kind of motivation that boils deep within our being. It is that motivation that allows us to work hard at our jobs, play hard in sports and make a decent living. It is that same motivation that pushes us to pay off our debt and avoid sinking further into financial quicksand.

Although most credit card cash back programs differ to a degree, they all present a number of fine benefits.

Some of those benefits include:
• Cash rebates may be applied to your balance to lower your monthly bill if you wish.
• Cash rebates may also arrive in the form of a check, available for cashing and spending wherever you please.
• Some programs link specifically to a certain merchant. Find out if your favorite store offers a cash back credit card program.
• Some cards let you earn BOTH cash rebates and rewards like air miles, hotel stays, meals at your favorite restaurant and so forth.
• Feel better knowing you get a little bit back on whatever you spend. Just don’t cut loose and spend more than you can manage!
• Enjoy categorized monthly statements, often viewable online.
• Receive bonus points during special promotions.

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Summary
Cash back credit card programs can make life simpler and they can also make shopping more affordable. Cash rebate cards allow consumers to earn a certain percentage back of almost every dollar spent. For those who use credit cards regularly, it really pays to sign up for a cash back credit card. Why not get paid for something you are going to do anyway?

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FAQ's
What fees might I incur?
Everyone knows nothing in life is free. Make your life easier by knowing about any pertinent fees prior to applying for your desired cash back credit card. As common with most credit cards, be on the lookout for these fees, if applicable:
• Annual fee
• Balance transfer fee
• Cash advance fee
• Finance charge
• Foreign currency transaction fee
• Late fee
• Over-the-limit fee

What restrictions may apply?
In some cases, certain purchases may not assign reward points to your account. Also, many credit card cash back programs allow cardholders to amass only so many points within a certain time period. Be aware of these possible limitations and restrictions:

• How many total points in a calendar year can you accumulate? (And, what does that total amount equal in cash?)
• What merchants are excluded from the cash back rewards program? In some instances, purchases made at warehouse stores, discount stores, convenience stores and department stores may not apply. Read the terms of agreement to determine your card’s limitations.
• Cash advances, convenience checks, balance transfers and other specialized services may not allow accumulation of cash back rewards points either.

How much cash can I earn?
Different cash back programs carry different limits on the total amount of rewards that may be earned within one calendar year. For example, the Citi Professional(sm) Card allows cardholders to accumulate 100,000 ThankYou Points within the span of a calendar year. With the Chase PerfectCard, the maximum gasoline rebate a cardholder can earn each month is $15. Terms vary according to the issuer and the particular cash rewards card. Read the find print of your credit card’s terms of agreement for specific figures.

A BIG Cash saving tip
Use your cash back card for every single purchase possible in conjunction with the checkbook that you'll use to pay your monthly bill. After every purchase, record the purchase in your checkbook as a debit. At the end of the month, when the bill comes you've already debited the amount necessary to pay your balance because you've been debiting the charges in your checkbook register all along. That way, when you pay the bill it won't hurt a bit. Some of our customers even pay their mortgages and car notes with cash back cards to maximize savings. For example, If you're spending $3,000 per month you could be getting $150 of that back in your pocket.

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Related Tools :
• Research your credit card choice further, use our Reviews and Analysis section.
• If you need help applying, use our Help section.

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Kathryn M. D’Imperio, Analyst, Frankford Financial ©2007