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A major incentive for using a cash back credit card is getting the credit card company to pay you for using their card. You actually get money back for the purchases you make with the card.

As you make purchases on your cash back credit card, you accumulate cash, the amount of which is determined by the type and amount of transactions you make. At the end of each month, year, or some other period the credit card company has chosen, cash is given back to you based on what you spent with your credit card during that period.

You may choose to have this cash put towards paying your credit card balance or receive a cheque or even get a gift card or voucher depending on the terms and conditions of the credit card.

Variety of Credit Card Features
Since there are a variety of cash back cards available, different cards will naturally have different features. There may also be different cash back rates earned for different types of spending. With some particular cards, for example, you might earn 2 percent cash back if you use your card at a supermarket or get 3 percent for your spending at a gas station.

Some cash back cards operate in the same fashion as a regular rewards credit card program, where points are accumulated and may be used to redeem cash back or sometimes other reward options such as gift cards, shopping vouchers, merchandise, travel points/air miles as well as other products.

Cash back credit cards may appeal to those money-minded customers who prefer the flexibility that cash provides. After all, the cash collected can be deposited in a savings account where it would earn interest.

Some customers may have used travel or other rewards credit cards and found it was difficult to find reward items to their liking or using up miles/points to travel. For those users, the cash back credit card is a good alternative as it provides money back that they can use whichever way they prefer.

When comparing cash back credit cards you may find that some issuers provide a range of extra benefits such as complimentary travel or rental car insurance or other incentives you might expect with premium rewards cards.

It's also important to understand that some (not all) cash back cards have a limit or 'cap' on how much cash back you can earn on your card. Also, most cash back cards will not provide cash back rewards for cash withdrawals, balance transfers, or various other fee payments. Make sure to get details from the credit card issuer on this as well as payment requirements and interest rate as you would in selecting any credit card.
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