<address id="3c26" ></address>
  • <option id="3c26" ></option>

    1. <samp id="3c26" ></samp>

    2. <p id="3c26" ></p>
      1. <listing id="3c26" ></listing><li id="3c26" ><tt id="3c26" ></tt></li>

        最新成人动漫

        最新成人动漫Full Disclosure:最新成人动漫 We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. See our Advertiser Disclosure?for more details. We appreciate your support!

        The points and miles we earn on credit cards are great for booking travel, but cash-back is king when it comes to flexible rewards that boost your financial bottom line.

        And because cash-back is one of the easiest types of rewards to earn and redeem, you’ll rarely hear anyone complain of having too much cash-back in their rewards account.?You can always find an immediate use for cash-back earnings.

        While earning and redeeming can be simple, there are 最新成人动漫plenty of variables between cash-back credit cards最新成人动漫 (just like with cards that earn points/miles). For that reason, it takes some research to match up your own major spending categories to a credit card that earns the most cash-back on those purchases.

        Additionally, knowing how you’ll receive your cash-back rewards becomes important so you can plan how to maximize those funds.

        That’s what we’ll cover in this article:

        • how you earn cash-back
        • how you receive cash-back
        • our recommendations for some of the best cash-back credit cards.

        Let’s get started with the basics!

        最新成人动漫

        Cash-back credit cards have relatively simple rewards-earning and redemption structures. You spend on your card and get a rebate on a percentage of your purchases in the form of cash-back.

        Some purchase categories earn more cash-back than others. For example, on one cash-back credit card you might receive 5% cash-back on office supply purchases, 3% cash-back on gas, and 1% on all other purchases.

        On another, the percentages and categories could be totally different — so selecting a cash-back credit card that rewards your greatest spending categories is key. There can also be 最新成人动漫limits on the amount of cash-back最新成人动漫 you can receive in a given category.

        Many cash-back credit cards 最新成人动漫offer introductory bonuses,最新成人动漫 such as $150 cash-back for spending $1,000 in the first 3 months after card approval. These bonus offers fluctuate and are specific to each card, but they can be another consideration when selecting your cash-back credit card.

        Additionally, how you receive your cash-back can differ. You may earn points that can be redeemed for cash-back, receive your cash-back automatically as a statement credit, or accumulate earned cash-back in a separate account.

        Let’s take a look at examples of some of the redemption processes you’ll see on different cash-back credit cards.

        最新成人动漫Cash-back earned as points最新成人动漫

        最新成人动漫Cash-Back automatically applied as a statement credit最新成人动漫

        • Cash-back credit cards such as the American Express? Blue Business Cash Card?automatically apply the earned cash-back as a statement credit. This card credits the cash-back 2 periods after it is earned, but other cash-back cards may have a different time period. There is no opportunity for accumulation and no manual redemption process.

        最新成人动漫Cash-Back accumulates in an account最新成人动漫

        • Cash-back credit cards such as the Discover it? Cash Back card allow the cash-back you’ve earned to accumulate in your account, so you can request to use it whenever you’re ready.

        最新成人动漫Bottom Line:?最新成人动漫While it’s important to match up bonus category cash-back earnings on the credit card with your actual spending habits, you should also understand the process a cash-back card uses to distribute your cash-back earnings.?

        Disney Dollars
        Using your cash-back creatively can help fund your travel goals. Image created by Jennifer Hart from Wish Upon a Star.

        最新成人动漫

        Is earning cash-back better than earning points/miles? This question is not easily answered, because the reward that is 最新成人动漫most valuable to you最新成人动漫 will be the one you can use to realize your goals.

        If travel is your goal, points and miles can get you where you want to go using award tickets, hotels, and offsetting travel-related purchases. While 最新成人动漫cash-back is undeniably flexible最新成人动漫, you’ll need a strategy in place to collect the cash and apply it appropriately to those travel goals.

        For example, if your goal is to use your cash-back earnings toward a family Disney vacation, you may want to purchase Disney gift cards, restaurant gift cards, or gas cards with each cash-back distribution.

        This method works especially well if you’re using a cash-back credit card that applies the earnings as a statement credit automatically.

        However, note that cash-back earnings may have a fixed value, while points/miles might be transferred to airline/hotel partners and used creatively for increased value. Conversely, cash-back is extremely liquid, but it may be difficult to liquidate points/miles for exactly what you want when you want it.

        最新成人动漫Bottom Line:?最新成人动漫Whether earning cash-back or points/miles is better for you depends on what you plan to do with the rewards and your spending priorities. If travel is not your priority, but having a little extra cash flow would help your financial bottom line, a cash-back credit card may be a good option.?

        最新成人动漫

        Earning cash-back rewards on a credit card that doesn’t charge an annual fee gives you a 最新成人动漫jump start on earnings,最新成人动漫 because you don’t have to spend at a certain level to earn enough cash-back to offset that annual fee.

        最新成人动漫Hot Tip:?最新成人动漫Selecting a cash-back credit card that doesn’t charge an annual fee means all the 最新成人动漫cash-back dollars are yours to keep最新成人动漫 right from the start, and you won’t have to use those funds to pay an annual fee.

        Cruise ship in tropical area
        Cash-back credit cards with 0% APR periods for purchases can help you finance a cruise vacation with no interest charges. Image courtesy of Shutterstock.

        最新成人动漫

        A cash-back 最新成人动漫credit card with a 0% APR period for purchases and/or balance transfers can 最新成人动漫save you significant money最新成人动漫 on new purchases and high-interest credit card balances.

        For example, if you make a large purchase, you can pay it off over time during the 0% APR period and 最新成人动漫not be charged any interest最新成人动漫.

        0% APR credit cards can also be great for transferring a high-interest credit card balance and getting 最新成人动漫12-18 months free from any interest charges最新成人动漫 while you repay that debt.

        最新成人动漫Best Cash-Back Credit Cards With 0% APR最新成人动漫最新成人动漫0% APR Period for Purchases最新成人动漫最新成人动漫0% APR Period for Balance Transfers最新成人动漫最新成人动漫Balance Transfer Fees最新成人动漫
        • None
        • Greater of $5 or 3% of amount transferred
        • 15 months
        • 15 months
        • Greater of $5 or 3% of amount transferred
        • N/A
        • 18 months
        • After intro period, variable APR 13.99% -23.99 applies
        • Greater of $5 or 3% of amount transferred
        • 12 months
        • 12 months
        • Greater of $5 or 5% of amount transferred
        • Discover it Cash Back
        • 14 months
        • 14 months
        • 3% of amount transferred

        Paying off your balance prior to the 0% APR period expiring is paramount, as you will incur significant interest charges beyond that point on any balance remaining.

        Access our complete guide to 最新成人动漫0% APR credit cards for more information on how interest-free credit cards work.

        最新成人动漫Hot Tip:?最新成人动漫A cash-back credit card with a 0% APR period can help you reach your travel goals when used creatively. For example, with the Discover it Cash Back card, you could charge a deposit for a cruise 18 months out and make payments without interest during the 14-month 0% APR period. At 12 months, you would receive your cash-back matched and could use those funds to help pay off the remaining balance.?

        最新成人动漫

        Some cash-back credit cards change their bonus spending categories on a quarterly basis and require you to register each quarter to earn the 5% cash-back bonus.

        While registering every quarter may seem like extra effort, doing so ensures you’ll 最新成人动漫earn up to $300 cash-back annually最新成人动漫 on each card. Each of these cards also has the potential for all the cash-back you earn to be much more valuable than the initial $300.

        最新成人动漫Best Cash-Back Credit Cards With Rotating Categories最新成人动漫最新成人动漫Initial Cash-Back最新成人动漫最新成人动漫How the Cash-Back Becomes More Valuable最新成人动漫
        • Chase Freedom?
        • 5% cash-back at different places each quarter, up $1,500 in purchases/quarter
        • Plus 1% cash-back?on all other purchases.
        • Cash-back is earned as Ultimate Rewards Points that can be transferred to premium Chase credit cards (those with an annual fee) for greater redemption value (up to 50% more)
        • Discover it Cash Back
        • Discover it Student Cash Back
        • NHL Discover it
        • 5% cash-back at different places each quarter, up $1,500 in purchases/quarter
        • Plus 1% cash-back?on all other purchases.
        • Cash-back is matched at first card anniversary

        Chase Ultimate Rewards Points that are earned on the Chase Freedom card can be transferred to any Chase premium card (such as the Chase Sapphire Preferred or the Chase Sapphire Reserve), and you can receive up to 50% more value when redeemed for travel.

        The Discover it cards all offer a 最新成人动漫cash-back match最新成人动漫 at the end of the first card anniversary year, meaning all of the cash you earned in your first year is matched and added to your account.

        A real plus is that none of these cards charge an annual fee!

        最新成人动漫

        A business cash-back credit card serves the essential purpose of separating business expenses from personal expenses. Earning cash-back while paying for business purchases allows you to invest those dollars right back into your business.

        最新成人动漫Bottom Line:?最新成人动漫There are plenty of cash-back rewards-earning credit cards designed specifically for business use, so you don’t have to pay a high annual fee to find one that earns cash-back on your business spending.

        Chase Freedom 2018 Bonus Categories
        Spending on bonus categories that earn 5% cash-back or more helps your earnings add up quickly. Image courtesy of creditcards.chase.com.

        最新成人动漫

        Earning 5% cash-back or better on a credit card is a decent return that accelerates your earnings.?If your biggest expenditures match up with any of these 5% bonus spending categories, you may want to investigate the corresponding cash-back credit card further.

        Let’s take a look at cash-back credit cards that 最新成人动漫earn 5% or more最新成人动漫.

        Cash-back credit cards with quarterly rotating cash-back categories (such as the Freedom card and the Discover it? Cash Back card) also earn 5% cash back in specific categories — but these cards have quarterly limits of $1,500 in purchases.

        最新成人动漫

        There are actually very few rewards-earning credit cards for consumers with bad credit or no credit history. For this reason, a secured credit card that helps build or rebuild credit and ALSO comes with the extra benefit of earning rewards is a real positive and rare find.

        Here are 2 secured credit cards for bad credit or no credit that also earn cash-back.

        最新成人动漫The Best Cash-Back Credit Cards for Bad/No Credit最新成人动漫最新成人动漫Benefits/Fees最新成人动漫
        • Discover it? Secured
        • 最新成人动漫2% cash-back最新成人动漫 at gas stations and restaurants up to $1,000 per quarter
        • 1% cash-back on all other purchases
        • 最新成人动漫Cash-back matched最新成人动漫?at the end of your first card anniversary
        • The security deposit can be refunded after as little as 8 months of responsible card management
        • Free FICO credit score access
        • $0 annual fee
        • Wells Fargo? Secured Business Card
        • 最新成人动漫1.5% cash-back最新成人动漫 on every purchase, or choose?最新成人动漫rewards earning最新成人动漫?at 1 point per dollar spent
        • 1% cash-back bonus on $1,000 spend level per month
        • Free employee cards
        • Visa travel and purchase benefits and protections
        • $25 annual fee

        Secured credit cards require a security deposit that is held with the card issuer, and your credit limit is subsequently set at the same amount. For example, if the credit card requires a $500 security deposit, this will usually be the amount of your credit limit.

        You can learn all about secured cards, how they work, and their requirements/benefits in our complete guide to secured credit cards for bad credit and no credit.

        最新成人动漫Hot Tip:?最新成人动漫With so many different issuers in this card category, it’s worth taking a look at each bank’s rules prior to applying.?

        最新成人动漫

        Credit cards that earn cash-back rewards are great for those consumers who 最新成人动漫pay off their credit card balances最新成人动漫 each statement period. Carrying over a balance and being charged interest would dissolve any benefit of earning cash-back.

        Also, we don’t focus on sign-up bonuses for cash-back cards because they’re constantly changing — but these initial bonuses can help you jump start your cash-back earnings and should definitely be considered when selecting a cash-back credit card!


        The information regarding the Ink Business Cash? Credit Card, Discover it? Cash Back card, Chase Freedom?, Discover it? Student Cash Back card, NHL Discover it? card, Discover it? Secured, and Wells Fargo? Secured Business Card was independently collected by Upgraded Points and was not provided nor reviewed by the issuer.

        For rates and fees of the Blue Cash Everyday? Card from American Express, please click?here.
        For rates and fees of the Blue Cash Preferred? from American Express, please click?here.
        For rates and fees of the American Express Blue Business Cash? Card, please click?here.


        最新成人动漫

        Credit CardWelcome OfferInfo
        Chase Freedom? Card

        The information for the Chase Freedom? Card has been collected independently by Upgraded Points. The card details on this page have not been reviewed or provided by the card issuer.

        • $150 Bonus
        Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Chase Freedom Unlimited? Card Chase Freedom Unlimited
        • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
        Apply Now Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        最新成人动漫 Capital One? Savor? Rewards card
        • Earn $300 cash bonus
        Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Ink Business Cash? Credit Card The Chase Ink Business Cash business credit card
        • Earn $500 bonus cash back
        Apply Now Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express

        Terms Apply

        • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Citi? Double Cash Card Citi? Double Cash Card

        Learn More Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        American Express Blue Business Cash? Card 最新成人动漫

        Terms Apply

        • Earn up to $300 back.
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        American Express Serve? Card

        The information for the American Express Serve? Card has been collected independently by Upgraded Points. The card details on this page have not been reviewed or provided by the card issuer. Terms Apply.

        • None
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Capital One? QuicksilverOne? Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card
        • None
        Learn More Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Chase Disney Rewards? Visa? Card

        The information for the Chase Disney Rewards? Visa? Card has been collected independently by Upgraded Points. The card details on this page have not been reviewed or provided by the card issuer.

        • $50 Disney gift card
        Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Chase Disney Premier Visa? Card

        The information for the Chase Disney Premier Visa? Card has been collected independently by Upgraded Points. The card details on this page have not been reviewed or provided by the card issuer.

        • $100 Disney Gift Card
        Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        最新成人动漫 Capital One? Quicksilver? Cash Rewards Credit Card Capital One Quicksilver
        • $150 cash bonus after you spend $500 on purchases within 3 months from account opening
        Learn More Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Barclays CashForward? World MasterCard?

        Information for the Barclays CashForward? World MasterCard? has been collected independently by Upgraded Points. The card details on this page have not been reviewed or provided by the card issuer.

        • $200
        Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Chase Amazon.com Rewards Visa Card

        The information for the Chase Amazon.com Rewards Visa Card has been collected independently by Upgraded Points. The card details on this page have not been reviewed or provided by the card issuer.

        • Get a $50 Amazon.com gift card
        Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.


        最新成人动漫

        最新成人动漫

        Cash-back credit cards give you a rebate back on your purchases. For example, if you make a purchase of $100 on your cash-back credit card and the cash-back percentage is 3%, you’ll receive $3 cash-back on that purchase.

        The cash-back may be received as a statement credit or accumulate in an account until you redeem it.

        Cash-back percentages differ between cards and also by category. You may receive 3% cash-back on purchases at gas stations or 2% cash-back on dining, for example.

        There may also be limits on how much cash-back you can receive.

        The best way to maximize a cash-back credit card is to select a card that rewards the purchases on which you spend the most.

        最新成人动漫

        The best cash-back credit card for you is the one that earns the most in the category of purchases on which you spend the most.

        If you spend a lot at grocery stores, for example, you might consider a cash-back card that rewards those purchases, such as the Blue Cash Everyday? Card from American Express that pays 6% back on up to $6,000 in purchases per year.

        最新成人动漫

        Each cash-back credit card has its own specific process for delivering the cash-back you have earned on the card.

        One card may apply the cash-back automatically as a statement credit, while another may deposit it into an account attached to your credit card and let you request it manually by logging into your account.

        Some cash-back credit card issuers will transfer the cash to your bank account or send you a paper check.

        It’s good to know up front how a cash-back credit card you’re considering delivers the cash-back so you can plan accordingly.

        最新成人动漫

        Each cash-back credit card has limits on how much cash-back you can earn, but many allow unlimited earnings on the lower 1% cash-back purchases.

        On higher cash-back percentage purchases, card issuers may have limits on the amount of purchases that can receive 5%, 3%, or even 2% cash-back.

        For example, the Blue Cash Everyday? Card from American Express offers 6% cash-back on purchases at grocery stores, but limits the amount of purchases to $6,000 annually.

        Christine Krzyszton

        最新成人动漫

        Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location.?Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

        最新成人动漫Disclaimer:最新成人动漫 Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

        最新成人动漫

        Advertiser Disclosure

        Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. 最新成人动漫Click here to see a list of advertisers that we work with.最新成人动漫