What does getting cash back mean?

Cash back's generally the best kind of reward, because a dollar's going to be a dollar, no matter when you receive it. With this card, you can just have the cash added to your checking account, and then go nuts.I do hope you have the card already tho, because this one's discontinued and you can't apply for it anymore.... read full answer

Yes, cash back rewards cards are worth it because they can help you save money if you pay off your balance each month. It is also worth noting that the best cash back credit cards with the highest rewards rates and signup bonuses sometimes have annual fees. In that case, you need to be sure that what you earn will offset the cost of the annual fee (and then some). For cards that have ... read full answerno annual fees, the cash back is free money as long as you don’t get charged interest.

Here’s what you should know before getting a cash back credit card:

• Many cash back credit cards let cardholders earn more than the cost of the annual fee. However, what you really want is a card that allows you to earn cash back as efficiently as possible.
• Some credit cards give a flat cash back rate for all purchases. The highest flat cash back rate is 2.5%.
• There are also cash back cards that will reward you more for bonus categories, like gas, groceries, or dining. For bonus categories, you can earn up to 6%.
• The best cash back credit cards usually require good credit or better for approval, but there are strong offers for people across the entire credit score spectrum.
• Wherever you spend the most money on your credit card will determine whether a flat-rate cash back card is better for you, or a card that’ll earn you bonus cash back in specific categories.
• How many credit cards you want to have in total matters, too, as does your credit standing. Your credit score and debt-to-income ratio play an important part on the credit card offers you’ll be able to get. The better your credit standing is,the more credit card options you’ll have and the more worthwhile they’ll be.

If you’re looking for a new card, check out the best cash back credit cards and find the one that’s most suitable for you. However, make sure to use a cash back credit card responsibly for it to be worthwhile in the long run. No credit card, regardless of the cash back rate, is worth it if you overspend and find yourself in debt with a damaged credit score.

You can also use WalletHub’s free CardAdvisor tool to find a card that best suits your needs.

The store that gives the most cash back at the register is Albertson’s, where you can take out $100-$300 when you make a purchase with your debit card. The amount of cash back you can get varies by location. The stores that give the most cash back via rewards are Ace Hardware and Best Buy, whose members earn points for every purchase that are redeemable for cash back.... read full answer

Stores That Give the Most Cash Back at the Register:

• Albertson’s: you can get $100-$300 with a debit card.
• Food Lion: you can get $200 with a debit card and $50 with a personal check.
• Safeway: you can get $200 with a debit card.
• Save Mart Supermarkets: you can get $200-$300 with a debit card (varies by location).
• Shopper’s Food Warehouse: you can get $300 at the register and $100 at self-checkout with a debit card.
• Walmart: you can get $100 at the register and $60 at self-checkout with a debit card, and $20 with a personal check at the register.

Many stores also have a rewards program that customers can join for free. In return for making purchases, members earn either cash back in the form of store credit or points redeemable for cash back.

Stores Where You Earn the Most Cash Back for Purchases:

• Ace Hardware: get 10 points for every dollar spent once you sign up for Ace Rewards. For every 2,500 points, you get a $5 reward.
• Best Buy: get 0.5-1.25 points for every dollar spent once you join the My Best Buy program. For every 250 points, you’ll get a $5 reward. The more you spend, the higher your membership level will be, and the faster you can earn rewards.
• CVS: get 2% back on all purchases once you join the ExtraCare rewards program. Rewards are paid out four times a year, in January, April, July, and October.
• Dick’s Sporting Goods: get 1 point for every dollar spent after joining the Dick’s ScoreCard program. For every 300 points, you’ll get a $10 reward.
• Office Depot/Office Max: get 2% back on all purchases once you join their rewards program. After spending $500 in a year, you’ll reach VIP status and get 5% back on ink, paper, toner, and copy/print/ship services.
• Petco: get 1 point for every dollar spent once you join the Pals Rewards program. For every 100 points, you’ll get a $5 reward.

All of the store programs that reward you for purchases are free to join, so they’re definitely worth joining if you’re a frequent shopper. However, if you want to earn rewards faster and at a higher rate, your best bet is to also get a store credit card. Many of the rewards programs listed have accompanying credit cards.