Good Lifestyle

If you are not careful, shopping on your credit card can lead to excessive expenses , high interest credit card debt and an exhausted savings account. However, by making reflected purchases and choosing the best cashback credit card, you can not only save money, but also put dollars back in your pocket.

"Many people get credit cards for store discounts, air miles or hotel points, but I have always preferred cashback cards," said James H. Lee , founder of Strati . "The rules are easier to follow and the advantages are much less restrictive."

Jason Gaughan , head of consumer credit card products at America Bank , recommends looking for registration offers before requesting your next cashback credit card, because they often offer generous incentives for new card holders.

"In order to make your credit card in the checkout, be sure to search for additional means of winning a cashback bonus thanks to promotions or loyalty programs for your financial institution," he adds.

Gaughan notes that cashback cards can be an excellent savings vehicle, as you can exchange a money back as a statement credits or a direct deposit on a savings or check account. Unlike cards based on points or based on miles, there is no need for a conversion rate when failure to replace money.

"This simplicity makes money cards work for those who seek to maximize their expenses [advantages] on daily expenses without the hassle of navigating in complex reward systems," he said.

Wondering which credit cards at the cash desk offer the biggest rewards? These are the eight that experts in finance recommend.

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Lee says that he has two Capital One Cashback credit cards - one for business purchases and one for everyday personal purchases. These are the Capital One Spark business card and the Quicksilver Capital One card, both of which offer 1.5% money back on all purchases. AE0FCC31AE342FD3A1346EBB1F342FCB

"My Personal Quicksilver of Capital One Personal Card offers many advantages in addition to the money backing," explains Lee. These include the exchange of free currencies for international trips, access to salons at Capital One Airport, exclusive access to events, free credit surveillance, etc.

"The additional benefits of travel include the derogation of damage to automotive collisions, insurance against travel accidents and reimbursement of lost luggage," he noted.

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Lee also recommends the Chase Sapphire, which not only offers a money back, but also points on travel, restaurants, hotels, car rental, etc.

"Capital One is not the only player in the cashback reward sector. I suggested once to a friend that she checks the advantages of her Chase Sapphire card after having used it for more than a decade , and she discovered that she had accumulated $ 3,000 in cash accounts! "He said Better life.

Scott Lieberman , founder of Touched money , recommends the Chase Freedom Unlimited for having won an everyday cashback.

"If you dine regularly, it's an excellent card. You will get 3% money back on all purchases of restaurants and pharmacies, plus 1.5 percent money back on other purchases. If you travel , you can recover 5% on chase travel purchases, "he said.

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According to Lieberman, when you are looking for a cashback credit card, you want a card. "

Erica Sandberg , consumer finance expert at Cardrates.com said that the Wells Fargo Active Cash corresponds to the invoice. "It offers a flat money back 2% and no annual fees. It is an easy way to get rewards," she said Better life.

Thomas Brock , CFA, CPA, expert contributor to Annuity.org , says that he is looking for cash card options without hassle that offer great awards in various categories of expenditure.

"On the basis of these criteria, the autograph of Wells Fargo is a star. It offers 3x bonus points on catering, travel, transport, petrol, subscriptions to streaming service and mobile phone plans and 1x bonus points on everything else.

Brock adds that anyone having "a solid budget and a propensity to save" will probably benefit from this cashback card. "By using it for daily purchases and recurrent monthly invoices, you can quickly accumulate points. Then, by simply taking them for declaration credits, you can reduce your expenses and improve your well-being," explain- he.

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Sandberg says that the American Express Blue Cash Preferred is a "fantastic" choice for cashback rewards on several levels.

"This gives you the opportunity to gain between 1% and 6% on everything you buy. There is no annual fees for the first year, and after that, it's $ 95. However, it is delivered With many advantages, including a formidable bonus registration of $ 250 after spending $ 3,000 in the first six months after opening the account, "she adds.

Another highly recommended cashback card for everyday purchases is the Bank of America personalized cash reward card. This is particularly beneficial for anyone who follows his purchases and has a good command of most of his expenses.

"The credit award credit card in personalized Bank of America allows you to gain 3% money back in one of the six categories of choice that you can change each month, such as online purchases (including plans streaming, cable, internet and telephone), travel, travel, dinration, gas and electric vehicle load, home improvement and furniture, and pharmacies and pharmacies, ”explains Gaughan.

He notes that card holders also earn an automatic money backing of two percent in grocery stores and large clubs (up to the first $ 2,500 in combined quarterly purchases) and one percent of money back on all Other purchases.

"Whether you book your next trip, buy online tickets or plan your next home renovation, the personalized cash reward card is ideal for anyone who gives priority habits," he said.

If you are looking for a more rationalized card that offers the same advantages at all levels, the cash rewards of Bank of America unlimited could suit you.

"With an unlimited 1.5% money back on all purchases, you can maximize your awards without the categories of monitoring expenses. Limited to the amount of money backing that you can earn, the cash reward card Unlimited makes each purchase enriching, whatever the size or small, "said Gaughan.